We have Hartford but do not have any smallish claims like that to know what their response would be. I would be more concerned about making any claim as a brand new company / policyholder. What's the $$ of the damage in question. My general policy is for a damage that we were really at fault, under maybe $3000ish I would just pay it. Same for a damaged piece of equipment etc. Anything over $5k I would probably make a claim. When we have had an at-fault claim, I have had success in negotiating with the utility. Local power/gas co will knock off 25% for prompt payment and asking nicely. Some utilities really inflate the repair costs and others are very reasonable. If it's an inflated bill I would have a discussion about that. We do get damage bills all the time for telco cables that were mismarked and we hit and were not at fault, those I tell them once we were not at fault and here is why and then ignore them. Eventually they give up and stop bothering.
On Fri, Nov 25, 2022 at 2:32 PM Steve Jones <thatoneguyst...@gmail.com> wrote: > > Any of you fine gents use the Hartford for general liability? > > Is there some method to talk to an agent with these guys without filing a > claim? Calling just circles me to claims agents, and they wont tell me > anything. > Im just trying to find out what the impact of a small claim is with these > guys and whether its best to just pay out of pocket if the liability does > fall on me. > I dont want to save a couple grand out of pocket to have my rates skyrocket > or coverage cancelled since its a new account, but then again, I pay for more > coverage than I need for what I do so its kind of a waste to not use it. > > If any of you guys have filed a claim with them, how smooth is the process? > -- > AF mailing list > AF@af.afmug.com > http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list AF@af.afmug.com http://af.afmug.com/mailman/listinfo/af_af.afmug.com
