Claims | PEMCO Insurance

PEMCO offers towing coverage in case you have a mechanical breakdown and need roadside assistance. If you’re a PEMCO customer with this coverage and need a tow truck, help is only a phone call away at 1‑866‑882‑4840.

Call us at 1‑800‑467‑3626 if you need to verify your coverage.

If you’ve already had the tow completed and want reimbursement, please send an email to PEMCOCSDClaims@pemco.com. Include the following: your policy number, vehicle towed, date the tow took place, and amount. We'll take care of the expense according to your coverage.

Safety first.

• Stop.
• Determine if there are any injuries.
• Call 911 for help, if needed.
• Move your car to the side of the road, if it is possible to do so safely.  
• Step away from traffic.

Limit statements.

• Exchange insurance information.
• Don’t discuss responsibility for the accident with anyone except the police.
• Don't discuss policy limits with anyone.

Record the facts you can safely gather.

• Date, time, and location of the accident
• The names, addresses, and telephone numbers of registered owners, injured people, occupants of other cars, and witnesses
• Description and license numbers of the other cars involved

Report the accident.

• From a safe location, report the accident to the police. 
• Call PEMCO at 1-800-467-3626.  We’ll get the information you’ve collected and begin the claims process.

Your claims representative will walk you through the claims process. 

Here’s an overview of the process:

First, we’ll confirm the coverages in effect at the time of the accident and explain how they apply in your situation.  If we’re unsure whether or not there’s coverage, our Claims Department will investigate further and keep you updated on the progress of the investigation.

Depending on the kind of claim, we’ll investigate who is responsible for causing the damages.  Some claims require thorough investigation to determine liability and will be sent to our Claims Department.

While every claim is different, we’ve established solid processes for evaluating the damages on a claim.  These processes might include our Timesaver Repair Program, reviewing a submitted estimate, or working with a contractor to get a bid for repairs. 

Based on that evaluation, we’ll make payment under the provisions of your policy.  This may entail getting a release from someone who has a claim against you or may be as simple as paying the towing company’s bill.

If you’re hurt or your property is damaged as a result of someone else’s negligence and PEMCO makes a payment on your behalf, we’ll attempt to recover the money we’ve paid from the at-fault party.  This includes reimbursing you for your deductible from the first funds we recover. 

Safety first.

• Ensure that you and your family are safe.
• Call 911 for help, if needed.

Report the claim

• Call PEMCO at 1‑800‑467‑3626.  We’ll get the information you’ve collected and begin the claims process.

Protect your property from further damage

• This might include securing a broken door after a burglary or covering up your property to keep the rain out if it is safe to do so.
• Keep records of any expenses so that your adjuster can review them.

An adjuster will be in contact with you promptly to discuss your claim.  They will advise you on the claims process, verify the coverages that apply to the facts of the claim, and will work with you resolving the claim. 

While PEMCO will gladly recommend quality contractors in your area (and guarantee the work of any contractor that we recommend to repair a covered loss), you’re always free to find contractors on your own.  Your adjuster will be there to guide you through the repair process and answer any questions you might have.

Remember that your PEMCO Homeowner’s policy does more than just repair or replace your home and property.  If your home is unsafe to occupy as a result of a covered loss, we’ll provide reimbursement for costs over and above your normal expenses that result from being temporarily displaced (such as restaurant meals or hotel expenses). 

You can report a claim to PEMCO 24 hours a day, 365 days a year by calling 1‑800‑467‑3626.

Safety first.

• Stop.
• Determine if there are any injuries.
• Call 911 for help, if needed.
• Move your watercraft to safe harbor if possible.
• If trailering your boat when the accident occurred, move vehicles safely to the side of the road if possible, and step away from traffic.

Limit statements.

• Exchange insurance information.
• Don't discuss responsibility for the accident with anyone except the authorities.
• Don't discuss policy limits with anyone.

Record the facts you can safely gather.

• Date, time, and location of the accident.
• The names, addresses, and telephone numbers of registered owners, injured people, occupants of other watercraft or vehicles, and witnesses.
• Description and registration numbers of the other watercraft involved.
• Snap as many photos of the watercraft and accident scene as reasonable.

Report the accident.

• From a safe location, report the accident to the authorities.
• Call PEMCO at 1-800-467-3626. We'll get the information you've collected and begin the claims process.

Your claims representative will walk you through the claims process.

Here's an overview of the process:

First, we’ll confirm the coverages in effect at the time of the accident and explain how they apply in your situation. If we’re unsure whether or not there’s coverage, our Claims Department will investigate further and keep you updated on the progress of the investigation.

Depending on the kind of claim, we’ll investigate who is responsible for causing the damages. Some claims require thorough investigation to determine liability and will be sent to our Claims Department.

While every claim is different, we've established solid processes for evaluating the damages on a claim. An adjuster will work with you to facilitate covered repairs. Based on our evaluation, we'll make payment under the provisions of your policy.