Claims Process: Business Liability

When someone reports an accident to TDIC, a liability examiner is assigned to investigate the accident thoroughly. This process is called the liability investigation.

How TDIC Investigates a Claim
After an accident, we commonly follow these steps to make sure we get all the facts:

  • The liability examiner reviews the insurance policy and the coverage in effect for the loss to determine what types of damage or injuries are covered.
  • The liability examiner attempts to contact everyone involved in the accident.
  • When there are conflicting versions of what occurred, the liability examiner conducts an interview with each person involved. These interviews help resolve disputes over the facts of the accident.
  • The liability examiner gathers and reviews additional relevant information, such as the police report, applicable state and local laws and photos of the scene.

The liability examiner considers all the facts, determines the cause of the accident and handles the claim accordingly. We are always willing to re-examine our decision if new information about an incident becomes available.

Negligence Versus Strict Liability
Negligence is a failure to exercise the care that a reasonably prudent person would exercise in like circumstances. Negligence involves harm caused by carelessness, not intentional harm. Strict liability makes a person legally responsible for the damage and loss caused by his/her acts and omissions regardless of culpability. Under strict liability, there is no requirement to prove fault, negligence or intention.

This material is intended for general information only. It does not expand coverage beyond the policy contract. Please refer to your policy contract for any specific information or questions on applicability of coverage.

We understand the anxiety you experience if you believe you're the victim of identity theft. At TDIC, we will help you determine if your identity has been compromised and how best to repair the damage in an efficient and straightforward manner.

Identify Theft Services
If you think your identity has been stolen, contact us immediately at 800.733.0634. A claims associate will listen to your situation and share how we can help.

Your identity theft coverage includes:

  • Help in identifying fraudulent accounts
  • Replacement of lost income (maximum $250 per day, up to a total of $5,000)
  • Placement of fraud alerts on your credit reports
  • Notification to the Federation Trade Commission and credit reporting agencies
  • Assistance replacing your driver license, passport, Social Security card and other identification documents
  • Cash advances if the theft occurs away from home
  • Credit monitoring services to keep you informed
  • Reimbursement for expenses incurred executing affidavits
  • Notary and certified mail costs
  • Loan re-application fees

When you report that your identity has been stolen, you'll have a single, dedicated contact in the identity theft claims department. The associate will follow up with you regularly to give you updates on your case until it's closed.

Product, coverage, discounts, insurance terms, definitions and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies and/or declaration pages from TDIC-affiliated underwriting companies, which are controlling. Such products, coverage, terms and discounts may vary by state and exclusions may apply.

Claims Process

Select the specific coverage for detailed information and an overview of the claims process by product line:

Once you submit your claim, a TDIC claims representative will contact you as soon as possible to verify information, ask questions, explain coverage and begin processing it.

Claims FAQs

If I experience a claim, will my premium increase?
Your individual claim activity has no bearing on your premium. Premium rates are not determined or based upon your personal experience.

Read more FAQs