• Your insurance company adjuster will reach out to you to gather detailed information about your claim.
• The adjuster may come out to inspect your vehicle or property to evaluate the cost of damages.
• You will work with your adjuster will get an estimate for the damages.
• A check will be cut for that estimate.
• If actual costs differ from the estimate, you and your insurance provider will address the difference. Generally, this means a supplemental check will be delivered to you.

If you cause an accident, be prepared to pay your deductible. After you’ve done that, your insurance company should pay the remaining costs, including damages or medical expenses you caused to other parties involved.

Your business insurance needs are as unique as your business itself. While all businesses need certain types of coverage—general liability, business property, and workers’ compensation, for example—your other needs hinge on your type of business. If, for example, you use vehicles in your line of work, you need business auto insurance. Similarly, businesses that manufacture a product should consider product liability insurance. Talk to your agent to determine your exact needs.