Policyholders should err on the side of reporting any instance in which they believe they might later be accused of causing injury or damage to another party.
It is particularly important to immediately report any accident, incident or other occurrence that results in any serious injuries or damage so that we may investigate at a time when witness memories are fresh, and all potential evidence still exists and is unaltered. You should immediately report such events, even if you believe that you are not at fault, so that we can investigate and, if appropriate, take affirmative action to protect your interests.
In the event you receive a lawsuit for a personal injury, property damage or other lawsuit, you should immediately provide us with a copy of the complaint and any other documents received from the plaintiff(s). A defendant in a lawsuit must respond to a complaint within a short period of time. Any failure to promptly respond can have serious adverse consequences.
If any claim or potential claim involves an injured third-party person or business: