When a Loss Occurs

Auto Accident

  • Check for injuries.
  • Call the police.
  • Do not admit fault.
  • If possible, note property damage to the involved vehicles and take photos. (Use your phone or keep a disposable camera in your vehicle.)
  • Record names, addresses, and license information of all involved persons.
  • Record vehicle descriptions, make, model, and tag numbers
  • Record names and addresses of any witnesses.
  • Promptly report the accident to your agent or to Harford Mutual Insurance Group 24 hours a day at

Property is Stolen or Damaged

  • Take appropriate measures to protect your property from further damage or loss, even if coverage does not apply, by making reasonable emergency repairs such as boarding up of windows and doors, waterproofing any openings in the roof or walls, extracting water from carpeting, etc.
  • If possible, be sure to keep a record of any expenses you incur and take photos of the damage.
  • Report the loss to the police if you believe a law may have been broken, such as theft.
  • Notify the credit card or fund transfer card company in case of loss under Credit Card or Fund Transfer Card Coverage.
  • Make an inventory of lost or damaged property including a complete description of the property, such as brand names, models, age, purchase price, and place of purchase.
  • For your future protection, it is a good idea to inventory your personal belongings room by room.
  • Promptly report the loss to your agent or to Harford Mutual Insurance Group 24 hours a day at 

Being Sued

  • Harford Mutual Insurance Group will investigate any allegations of bodily injury or property damage made against you or an insured under your policy and will adjust those claims in which you may be legally liable, subject to the terms and conditions of your policy.
  • Regardless of the allegations made against you, it is imperative that you immediately forward any lawsuit documents to your agent or to Harford Mutual Insurance Group.

Employee Injured

  • Report the incident as soon as possible to Harford Mutual Insurance Group 24 hours a day at 
    . Our Workers’ Compensation claims personnel work diligently to guarantee that injured workers receive the medical attention they require.
  • When necessary, medical case managers may be assigned to assist injured employees through the medical process.