Frequently Asked Questions
Do you have a question about filing a claim or if you should file one? You’re not required to file a claim. Here are some things to consider if you are an Auto or Property customer:
- Was anyone injured?
- Did you damage someone else’s property or vehicle?
- Is it unsafe to live in your home or drive your car?
- Are the damages above your deductible?
If you answered yes to one or more of these questions, you should consider filing a claim.
The claim process can feel overwhelming, but we have the answers you need to your frequently asked questions about Auto and Property claims.
Auto claim frequently asked questions
Have questions about your auto claim? We can answer your most common questions about your claims.
Yes. Travelers Canada partners with top quality clinics and rehabilitation providers across Canada to assist with your recovery. Talk with your claims professional to locate the provider nearest your home or work — wherever is most convenient for you.
The choice is up to you, and our Claim are willing and ready to help you through this difficult time. To make the process as stress free as possible, we walk you through every step of the way — reporting your claim, managing the recovery and settling the claim. Your Claim professional will ensure you are provided with the information you require to understand the benefits available under your policy and answer your questions throughout the claim process.
Your health is our top priority. If you feel you are not progressing in your treatment or you are not satisfied with your care, talk with your family doctor about alternatives. Your claims professional can also help you find a preferred clinic near you.
Don’t do it. Your "friends" are suggesting that that you commit insurance fraud, which is a serious crime. Auto insurance fraud causes premium increases, puts innocent people in danger, and decreases the availability of health services for people with real injuries. Let your Claim professional know if you suspect insurance fraud. You can also call your local police or make an anonymous tip to 800.222.TIPS.
If your claim is denied or your benefits are stopped, you may be eligible to apply to LAT (License Appeal Tribunal) for dispute resolution services. Ask your Claim professional for the "Applicant’s Rights to Dispute" sheet, which explains the process. You can also learn more about the LAT process here.
Property claim frequently asked questions
Have questions about your property claim? We can answer your most common questions about homes, businesses and other property.
In most cases, your Claim professional uses a state-of-the-art software used by restoration contractors to prepare a repair estimate based on local material costs and labour rates. We base our estimate on the cost of the materials that were in your home before the damage. If your kitchen had granite counter tops before the fire, the repair estimate includes a kitchen with granite countertops of comparable grade.
Replacement cost value is the estimated cost of repairing a damaged item or replacing a damaged item with a similar one. Actual cash value is the estimated value of the item or damage at the time of the loss. Generally, actual cash value is calculated as replacement cost minus depreciation.
Over time, assets (cars, equipment, buildings) lose value due to age, wear and tear, or obsolescence. The dollar amount that the asset decreases in value from the original value to its current value is referred to as depreciation.
If your policy includes replacement cost coverage, your settlement may include additional money to cover depreciation. In this case, you will receive an initial payment based on the actual cash value. After you replace or repair the damaged property and provide documentation for depreciation, Travelers Canada will send an additional payment to adjust for the depreciation previously withheld.
You are welcome to hire any contractor of your choice to complete the work, but it’s not required. Before hiring a contractor, be sure to check references and make sure the contractor is both insured, bonded and qualified for the work you need them to do.