Your bill and your claim both go to the carrier.

The insurance company, in almost every case.

Nearly everything we place is billed direct, which means the carrier invoices you and takes the payment through its own portal, its own phone line or its own autopay. We do not hold your money and we cannot post a payment to your policy. What we can do is tell you which company bills you, find the right number, and get in the middle if something has gone wrong. A small number of commercial and specialty policies are agency billed or premium financed and work differently. If yours is one of those you will already know, because the invoice comes from somewhere other than the insurance company.

Your insurance company. Their claims line is open around the clock.

That is the call that starts the process, and outside office hours it is the only one available, so it is the right first call rather than a second-best one. The number is printed on your ID card and on your declarations page, both of which are in the client portal, and the directory on this page lists it as well. One thing worth knowing is that carriers do not all work the same way. Some take the claim straight from you at any hour. Others ask that it come through your agent, with an after-hours line as backup. The directory says which is which, company by company. Then tell us, the same day if you can.

Call the office and we will find it.

The list covers the companies we place the most business with, and it is deliberately short rather than padded with names we rarely touch. Insurance is also sometimes written through a wholesale broker or a specialty market that has no consumer portal at all, in which case the honest answer is that there is nothing for you to log in to and the route runs through us. Either way, the number on your ID card or your declarations page is the authoritative one. If you cannot put your hands on either, we can.

Call the same day. Do not wait for the renewal to sort itself out.

The window to reinstate a policy after a missed payment is short and it is set by the carrier and by state law, not by us. It is far easier to keep a policy in force than to put one back, and a lapse follows you into the next application even after it is fixed. Bring the notice with you, or read us the date on it, and we will tell you who to call and what they will need. A card that expired on file and a payment that genuinely was not made are different problems with different fixes, and the notice usually does not say which one it is.

They were read off each carrier's own website on the date shown, and nothing here comes from a third party.

That matters more than it sounds. Search for almost any insurance company plus the words customer service and you will find pages publishing phone numbers that belong to nobody in particular, some of them set up to take advantage of people who have just had a loss. Every number on this page came from the insurance company's own site. Carriers still change numbers without telling anybody, so if one does not connect the way you expect, stop and call us rather than searching for an alternative. The number on your own ID card is always a safe fallback.

Please do not. Report it to the carrier, then tell us.

Email is not monitored around the clock and a claim sitting unread in an inbox overnight helps nobody. Report it to the insurance company first, on the number in this directory or on your ID card, and then send us a note or call so we know it happened. We are not the adjuster and we do not decide the outcome, but we hold your file and we can see what is on the policy, so we can follow it with you. If there is any question of injury or of a crime, emergency services and law enforcement come before either call.