What information do I need to report an incident?

At minimum: your policy number, the date and description of the incident, and contact information. For auto claims, also provide information on other parties involved. Photos of damage are highly valuable. Additional documentation can be submitted after your initial report.

Does reporting a claim mean it will be filed?

Not always. Reporting an incident starts the process, but you can choose not to proceed with a formal claim after speaking with your adjuster — for example, if damage falls below your deductible. VKOVR advisors help you make that call before it affects your record.

Can I report a claim for someone else?

You can report an incident on behalf of a policyholder in an emergency situation. However, the named insured will need to formally authorize and continue the claim process. VKOVR advisors can help coordinate this.

Report an Incident Anytime, Anywhere

VKOVR makes it easy to report an insurance incident 24/7 — online, by phone, or through our emergency hotline. File now and get your claim number in minutes.

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Incident Reporting

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Tips for Reporting Your Incident

How you report matters. These four steps help protect your claim from the moment the incident occurs.

Report Promptly

File as soon as it is safe. Most policies require "prompt" reporting — delays can complicate or jeopardize your coverage.

Be Factual, Not Speculative

Describe only what you observed. Avoid admitting fault, estimating blame, or speculating about causes until your adjuster has completed their investigation.

Document Before Cleanup

Take photos and videos of all damage before making any repairs or cleaning up. Visual evidence captured at the scene is your strongest claim support.

Get Witness Information

For auto accidents or property incidents with witnesses, collect names and contact details. Witness statements can significantly strengthen your claim.

What Happens After You Report

Report the Incident

Describe what happened: the date, time, location, and parties involved. Be factual and accurate. Do not speculate about fault or downplay the extent of damage.

Receive Your Claim Number

After submitting your report, you receive a claim reference number. Keep this number — you will use it to track progress and communicate with your adjuster.

Adjuster Assignment

A licensed adjuster is assigned to your claim within one business day. Your VKOVR advisor is notified simultaneously and begins monitoring the process.

Claim Processing Begins

Your adjuster contacts you to schedule an inspection or request additional documentation. Track every update in real time via your claim status portal.

Reporting a Claim — FAQ

Report as soon as it is safe to do so — ideally within 24 hours of the incident. Most policies require prompt reporting, and delays can create complications. Do not wait until you have all documentation; file first and add supporting materials as they become available.

Report Your Incident Now

File your claim report online in minutes or call our support team. Prompt reporting protects your coverage and speeds up your settlement.

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