Hartford Auto Insurance Claims by CrisLapuz

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                  AARP Auto Insurance
            Program Claim Service Guarantee
             The AARP Auto Insurance Program from
         The Hartford promises to exceed your claim service
         expectations with ironclad written guarantees.
             1. You can reach our trained claim professionals
                to report a claim 24 hours a day, 7 days a week.
             2. On that first call, your Customer Care Specialist
                will explain the claim process, work with you to
                arrange convenient inspection of your damages
                as appropriate, and discuss next steps.
             3. We guarantee the workmanship of any covered
                auto repairs through our nationwide network of
                Customer Repair Service Providers for as long
                as you own the vehicle.
             4. We will pay you the replacement cost of a new
                car—same make, model and equipment—
                should you have a covered total loss of your
                new car within 15 months or 15,000 miles of
                purchase, whichever comes first. (This benefit
                may vary by state based on applicable law.)
             5. We promise to issue claim payments to you
                within two business days of agreement on the
                amount of your loss.
             6. If you have a problem during the claim process,
                we will automatically bring your concern to an
                expert who is authorized to address your
                problem.
            When you have a claim, call us right away,
            toll free at 1-877-805-9918




Your Policy Number: ______________________________
Your Billing ID Number: ____________________________
                                                                    PLICA-1591-16
STOP
                Whether reporting a claim or for service, you can reach
                    us quickly by dialing one of these numbers:

   Claims                   1-877-805-9918
   Service                  1-800-423-6789
   Also Visit               aarp.thehartford.com


This entire coverage guide is provided for informational purposes only. It is not part
of any policy issued by The Hartford or its affiliated insurers and is not a binding part of
any insurance contract which may be applicable to you. This guide contains only general
descriptions of coverage which may be provided and does not include all of the features,
exclusions and conditions of the policy it describes. Certain coverages, features and credits
may vary by state in accordance with our product filings and applicable law and may not be
available to all policyholders. The Hartford suggests that you read your policy to determine
your actual coverage. In the event of a loss, your specific policy terms will determine the
benefits and coverages to which you are entitled.
AARP and AARP Financial, Inc. receive from The Hartford payments for AARP’s license of its
intellectual property for use by The Hartford and for services rendered in connection with the
AARP Auto and Homeowners Insurance Program. Amounts paid by The Hartford for this
license are used for the general purposes of the Association and its members.
Table of Contents

    Thank You
• Thank You for Your Confidence                                     2
• About Your Policy and Enclosures                                  2

    Policy Information
• Flexible Payment Plans                                            3
• Payment Options                                                   3
• Description of Coverages                                         4-5

    Cost of Coverages
• About the Cost of Coverage                                        6
• How the Program Helps Control the Cost
  of Your Insurance                                                6-7
• How You Can Help Control the Cost of Your Insurance               8

    Discounts, Credits and Other Features
• Program Features that Stretch Your Dollar                        9
• Credits and Discounts                                           9-10
• Value-Added Features                                           10-11

    Customer Service – Policy Changes
• Contacting Us for Service and Changes                          12-13

    Claims

•   24-Hour Claim Service—Claim Reporting                          14
•   Glass Breakage                                                 15
•   Towing and Road Service Claim Form                             16
•   What to Do if You Have an Accident or Other Loss               17
•   Claim and Service Card                                         17
•   AARP Auto Insurance Program Claim Service Guarantee   (Back Cover)




                                                                         1
    Thank You for Your Confidence
        Thank you for choosing the AARP Auto Insurance Program from
    The Hartford. We are pleased to provide you with what we consider the
    finest auto insurance products and service in the industry.

    A Tradition of Quality and Service
         The Hartford has been a trusted name in insurance protection
    since opening our doors in 1810. Our reputation for fast and fair claim
    settlements was forged during the Great Chicago Fire of 1871 and the fire
    caused by the San Francisco earthquake of 1906. We started writing auto
    policies as early as 1897, when autos were still known as “horseless
    carriages.” The Hartford continues to be a highly respected leader in the
    insurance industry for its quality products and service to policyholders.
        Today, our financial strength and ability to pay claims is consistently
    rated as excellent by the nation’s leading independent agencies, such as A.M.
    Best, Moody’s and Standard and Poor’s, that monitor the performance of
    insurance companies. From service representatives to underwriters and claim
    adjusters, The Hartford’s employees are dedicated to meeting your insurance
    needs and welcome the opportunity to assist you with any
    questions you may have about your coverage.
        Since 1984, we’ve been serving the needs of people 50 and over through
    the AARP Auto Insurance Program from The Hartford. In fact, we now insure
    over a million AARP members. Over the years we’ve learned a lot about your
    needs and expectations from the Program. Whether it’s competitive rates for
    AARP members, the peace-of-mind protection you need, or the first-class
    service you deserve, The Hartford is always striving to do more.

    About Your Policy and Enclosures 12-Month Policy
        Your AARP Auto Insurance Program policy from The Hartford extends
    for a full 12 months. That means your premium will not increase during
    the policy year unless you make specific changes.
        Your auto insurance policy is made up of three parts:
        1.   The Declarations Page, which explains who is insured, what
             cars are covered and what coverages apply.
        2.   The Policy, which states the terms and conditions of your coverage.
             If required in your state, ID cards are included with your policy.
             Please keep them in your vehicle as proof of coverage.
        3.   Endorsements, which modify the Policy or Declarations Page.




2
Policy Information
Flexible Payment Plans and Options
    Your policy from the AARP Auto Insurance Program offers two billing options:
Monthly Electronic Funds Transfer (EFT): With this plan, your policy
premium is divided into equal monthly payments. These payments are
then withdrawn automatically each month from a checking or savings
account on a date that you select. Note: There are no service fees when
you choose to pay using monthly EFT.
Bill-By-Mail: With the bill-by-mail option, you receive a paper bill by U.S.
mail. You choose how often you receive a bill and make payments.

   • Full Pay – One payment. With this option, you pay your total 12-
       month premium in full when you receive your renewal bill in the mail.

   • Installment Payments – Three, Four or Six Pay. With this option,
       your total 12-month premium is divided into several installments
       (you choose 3, 4 or 6). You receive a bill by mail when each
       installment is due. Note: In most states, a service fee applies to
       each installment payment.
    Your billing statement will list the Flexible Payment Plan options available.
Remember, if you wish to avoid service fees, consider paying by monthly
EFT or by paying your entire 12-month policy premium in full when you
receive your bill.
Payment Options
When you choose Bill-By-Mail, you also have several ways you can
make your payment.
Pay By Check: You can pay by personal check, sending your payment
by mail. The Billing address will be listed on your bill. When you mail
your payment, always send a check with the remittance portion of your bill
to assist us in properly crediting your account. A late payment fee will be
assessed if the minimum amount due is not received by the due date
shown on your insurance bill. To avoid a late fee and assure continuous
coverage, please send your payment early enough so that we receive it by
the due date indicated on your bill.
Pay By Phone: Call our toll-free Customer Service number 1-800-423-6789
and choose the “Billing” option to access the Automated Account Manager.
You can pay by making a one-time EFT withdrawal from a checking or
savings account, or by using a credit card.
Pay Online: To make a payment online, visit aarp.thehartford.com. Then
follow the user-friendly directions. You can make a payment using a one-time
EFT withdrawal from a checking or savings account, or by using a credit card.
(A late payment fee assessment and the amount of the fee will vary depending on state
filings and applicable law.)

                                                                                        3
    Policy Information (Continued)
    Description of Coverages
        To help you understand your policy better, we’ve included brief,
    general explanations of the basic coverages. They are not definitions
    of coverage or substitutes for the terms and conditions of your policy.
    Rather, they are general descriptions which may or may not match exactly
    the coverages on your policy. Your state may have slight variations on these
    coverages. Please refer to your policy or contact us for specific details.
    Bodily Injury Liability
        This coverage protects you against financial loss if someone is killed or injured
    by your auto and you are found liable. Your legal expenses and court costs
    would also be included for a covered suit, as would your bail bond expenses.
    Property Damage Liability
        Property Damage Liability Coverage protects you against financial loss if
    you are found liable for damage to other people’s property caused by your auto.
    Uninsured Motorist Coverage
        Uninsured Motorist Coverage pays damages for bodily injury or
    death caused by an uninsured driver or hit-and-run driver who is legally
    responsible for the accident.
    Underinsured Motorist Coverage
         This coverage pays benefits for bodily injury or death caused by an insured
    driver whose Liability Insurance limit is insufficient to cover the losses incurred.
    Personal Injury Protection (No-Fault: Reparation Benefits)
        Personal Injury Protection, commonly known as No-Fault, pays benefits
    for the cost of personal injuries resulting from an auto accident. This
    coverage applies without regard to who was at fault in the accident. It
    applies only to injuries, and it does not cover damage to a car, or to any
    other property. (Not applicable in all states.)
    Medical Payments* (Not required in all states)
        This coverage is often included in Personal Injury Protection and pays
    up to your policy limit for reasonable medical expenses incurred within
    three years of an accident.
         Medical Payments Coverage applies to everyone in your auto and
    relatives living in your household who are in other autos or who are struck
    by a vehicle. In many states, you may choose your own Medical Payments
    Coverage limit.
    (NEW) The Hartford RecoverCare AdvantageSM
        Now, if Personal Injury Protection (No Fault Coverage) is not provided
    in your state and you carry Medical Payments Coverage, we’ll reimburse
    *Medical benefits are calculated on the basis of usual, customary and reasonable charges.
4
you up to a maximum of $500 a month, for up to 6 months or a total of
$2,500, for extra expenses you incur, beginning 8 days after the date of a
covered accident, for essential services that arise while you are recovering
from a disability caused in that accident. These include services normally
performed without payment by you, for the care and maintenance of your
family or household, such as cooking, lawn mowing and transportation,
which are not normally covered by Medicare or health insurance. If your policy
includes Personal Injury Protection, variations of essential services coverage are
typically afforded under your Personal Injury Protection coverage.
(Not applicable in all states. Please refer to your policy Declarations and endorsements for
availability and specific coverage terms.)

Collision
    Collision Coverage pays for damage to your covered auto (up to its
actual cash value) caused by an impact with another vehicle or stationary
or moving object. The amount of your deductible will be subtracted from
any settlement. You may want to consider this coverage if your auto is not
more than seven years old.
Comprehensive (Other than Collision Coverage)
    This coverage pays for losses to your covered auto (up to its actual
cash value) which are not caused by collision. This includes damage
caused by fire, theft, glass breakage, riot, windstorm and hail. The amount
of your deductible will be subtracted from any settlement.
Towing & Labor
     This optional coverage helps pay for towing costs and/or labor at the place
of disablement for your covered auto. Towing and Labor Coverage is available
if you have Comprehensive Coverage. In most states we offer limits of $25, $50
or $75. Call to find out how inexpensive this valuable coverage is.
Rental Reimbursement
    If you carry Comprehensive Coverage, we offer a variety of Rental
Reimbursement Coverage options to meet your needs. Rental
Reimbursement Coverage pays for the cost of renting a substitute car 24
hours after your car is in an accident or for other covered reasons, or after
48 hours if the loss is a result of theft.
     Your policy may automatically include up to $20 a day/$600 maximum
limit at no additional cost. Or, for extra coverage at an affordable price,
depending on your state, you can select from the following options:
   • $30 a day/$900 maximum
   • $40 a day/$1,200 maximum
   • $50 a day/$1,500 maximum

                                                                                               5
    Cost of Coverages
    About the Cost of Coverage
         When you first applied for auto insurance, you were asked a series of
    questions to enable us to determine what rate we would charge you to
    cover your exposure to loss. These questions probably included where you
    live, your driving record and driving experience, your marital status, the
    miles you typically drive each year, the length of your daily commute, and
    the make, model and year of your vehicle.
        The answers to these questions are factors in determining the rate you
    are charged. Because there are so many factors besides your age and the
    type of car you drive, any changes in your driving situation may cause a
    change in your rates.
        Other factors that contribute to premium changes are the increased
    costs associated with settling auto claims. According to the Insurance
    Information Institute, the following factors are driving the increase in auto
    insurance expenditures:
          • Accelerating medical inflation;
          • Rapidly increasing jury awards in vehicular liability cases;
          • Court decisions forcing insurers to suspend use of generic parts;
          • Higher costs for motor vehicle body work;
          • Rising average price for new vehicles;
          • Trend toward purchase of larger, more expensive vehicles
           such as SUVs.
        While no insurance company can promise rates will never go up, our
    goal at the AARP Auto Insurance Program is to make every effort to
    minimize rate increases and help members continue to save.

    How We Help Control the Cost of Your Insurance
         At The Hartford, we go the extra mile to ensure your premiums are as
    low as we can make them. The best way to keep premiums low is to make
    fair claim payments and keep administrative costs low. Here are a few of
    the steps we have taken.
    Safety Initiatives
        Our safety initiatives, such as offering insurance premium discounts
    for cars equipped with air bags and anti-lock brakes, seek to reduce the
    number and costs of the claims.




6
Insurance Fraud Prevention
     One of the ways the AARP Auto Insurance Program from The Hartford
makes sure your premiums are as low as we can make them is to do every-
thing possible to assure the accuracy of all claim payments so that we’re not
paying a nickel for fraudulent claims. Insurance fraud is a deliberate crime,
such as a staged accident, perpetrated against honest, unsuspecting people
for financial gain. Although fraudulent activities may vary in degree in the
end, they all cost you money. The bill goes to all honest, law-abiding
drivers in the form of higher insurance premiums, for all auto policy-
holders share the cost of insurance losses, whether or not they’re legitimate.
    The Hartford is committed to putting a stop to costly insurance fraud.
We are working cooperatively with the law enforcement community and
with other insurers to vigorously combat fraud. Our claim offices and
Special Investigative Unit work closely with government agencies and
industry-sponsored fraud prevention programs. But, we need your help.
    If you come across a situation that causes you to be suspicious, please
report it right away to our toll-free fraud hotline: 1-800-547-WARN (9276).
Your call is completely confidential.
      • If someone suggests that a certain lawyer or doctor can help
        you make a lot of money from an accident, or a repair shop
        offers to inflate your damage estimate, be suspicious, and call us.
      • If you are involved in or witness an accident, report it to
        the appropriate authorities and be willing to testify in the
        investigation and court proceedings.
      • Keep records. If you are involved in an accident, write down a
        detailed description of the accident, including names, addresses,
        phone numbers, insurance company and policy numbers of all
        drivers and passengers. Also, obtain names, addresses and
        phone numbers of all witnesses.
Advocacy
    As a member of the American Insurance Association (AIA),
The Hartford supports legislative initiatives that will benefit the insurance
industry and its customers. The AIA lobbies at various state capitols to
enforce stricter penalties for hazardous driving, theft and insurance fraud.
The Hartford also supports driver and highway safety through its
involvement with the Advocates for Highway and Auto Safety and the
Insurance Institute for Highway Safety (IIHS).




                                                                                 7
      Cost of Coverages (Continued)
    How You Can Help Control the Cost of Your Insurance
    Increase Your Deductible.
        Naturally, the more expensive the car, the more it costs to repair or
    replace and the more it costs to insure. If you can afford a higher deductible,
    it will lower your premium. Many people opt to discontinue their collision
    coverage on cars that are more than seven years old.
    Take Care Behind the Wheel.
        Most of us know that good drivers pay less for insurance than drivers
    with less-than-perfect driving records. By doing your part to keep our roads
    safe, you help us keep your premiums reasonable.
    Check Your Discounts.
         Compare the discounts and credits on the following pages to those
    listed on your Declarations Page and policy forms. If you’re not receiving a
    discount you’re eligible for, give us a call so we can help you explore your
    options.




8
Discounts, Credits and Other Features
Program Features that Stretch Your Dollar
    The Program offers a variety of special credits, discounts, and other
features to help stretch your insurance dollar. Please review your
Declarations Page and policy forms to see if you are already taking
advantage of these valuable features.

Credits and Discounts
Renewal Credit
   If you remain insured through the AARP Auto Insurance Program from
The Hartford for three years, you may receive a credit on your renewal
premium.
Defensive Driver Credit
    If you’ve completed an approved defensive driver course, such as the
AARP Driver Safety Program, you’re eligible for a discount for the next
three full years. Just mail us a copy of your certificate, and we will apply
the credit.
    For local and online course information, call, toll free,1-888-227-7669
(1-888-AARP-NOW) or visit www.aarp.org/dspandthehartford.
(The Defensive Driver Credit is called the Motor Vehicle Accident Prevention Course Discount
in New York and Motor Vehicle Improvement Course Discount in Pennsylvania. In Kentucky,
this credit applies for five years.)

Driver Training Credit
    You can receive a credit on your premium for drivers under 21 years
old who successfully complete an approved course. (In Georgia this
discount applies to drivers under 25 years old.)
Limited Driving Credit
    Upon reaching age 75, you may qualify for this discount if you limit
your driving to daylight hours.
Good Student Driver Credit
    If each full-time student under the age of 25 who owns or operates a
vehicle insured through the AARP Auto Insurance Program from
The Hartford qualifies as a good student, you can receive a credit on most
coverages. If you have not received a credit application, please call us, and
we will send one if the credit is available in your state.
Multi-Car Savings
     If you have two or more private passenger vehicles insured on your
AARP Auto Insurance Program policy from The Hartford, you may be able
to lower your premium.
                                                                                               9
     Discounts, Credits and Other Features (Continued)
     Air Bags Discount
          Automatic air bags provide a protective cushion when they inflate.
     They prevent or minimize injuries, especially in frontal crashes. If your car
     is equipped with more than one air bag you save even more.
     Anti-Theft Device Discount
          Anti-theft devices can be either active or passive disabling devices that
     protect a car from theft and save you money on your Comprehensive
     Coverage. If you must manually activate the device, it is considered active.
     If no separate step is needed to activate the device, it is considered passive.

     Value-Added Features
     Lifetime Protection*
         With The Hartford’s Lifetime Renewability benefit, you’ll never have to
     worry about losing your coverage. You are assured continuous coverage
     with the Program for as long as you’re able to drive and you meet a few
     other simple requirements.

     Full Replacement Value for New Cars
         If your new car is a total loss within the first 15 months or 15,000 miles,
     whichever comes first, we’ll buy you a brand new car—same make, model
     and equipment — or we’ll reimburse you with no deduction for
     depreciation. This guarantee is automatically included with your
     Comprehensive and Collision Coverage. This benefit may vary based on
     applicable law. For example, depending on your state, the benefit may
     be limited to up to six months or 7,500 miles. In the event of a loss,
     the terms of your policy, as limited by law, will determine the actual
     coverage offered.
     Depending on your policy plan, you may be eligible for benefits,
     such as First Accident Forgiveness, Disappearing Deductible,
     and Waivers of Collision Deductible. These benefits can help you
     save significant dollars if you have any accident. For example:
      • Accident Forgiveness**
        You’ll be eligible for this benefit once all drivers on the policy have a
        clean driving record for five consecutive years (three with the Program)
        and have been continuously insured in the AARP Auto Insurance
        Program. Once you qualify, if you have an accident, we’ll forgive it. It
        won’t count against you, and your rates won’t go up because of it.



10
 • Disappearing Deductible**
    Once all drivers on the policy have a clean driving record for five
    consecutive years (including three years in the Program), we’ll reward
    that clean record by reducing your collision deductible by $150. In most
    states, we’ll continue to reduce your deductible an additional $50 each
    year you keep your good record until it reaches zero.
 • Waivers of Collision Deductible **
    In most cases, when you have Collision Coverage and you’re involved
    in an accident where the driver responsible for causing the accident has
    been identified, you won’t have to pay the deductible. This means
    that we will pay the full amount of the covered damages without
    subtracting the deductible.
    For other accidents, if you elect to take your car to one of our
    participating dealerships or authorized local repair shops for covered
    collision repairs, we’ll waive $100 of your collision deductible, depending
    on your state. And, we’ll continue to guarantee the workmanship of the
    repairs for as long as you own your car.


*The Lifetime Renewability benefit is not applicable to the AARP Business Auto Insurance
Program from The Hartford. This benefit is not applicable in all states. Please refer to your
Declarations Page for policy availability. If you’re age 50 or older, once you’re insured through
this Program for at least 60 days, you cannot be refused renewal —as long as applicable
premiums are paid when due. Also, you and other customary drivers of your vehicles must
retain valid licenses, remain physically and mentally capable of operating an automobile,
have no convictions for driving while intoxicated, and must not have obtained your policy
through material misrepresentation.
** Coverage may vary by state in accordance with our state filings and applicable law. In some
cases, First Accident Forgiveness, Disappearing Deductible and Waivers of Collision
Deductible benefits, are only available for an additional charge, by purchasing the Advantage
Plus package. For these policyholders, to qualify for First Accident Forgiveness and
Disappearing Deductible, all drivers on the policy must have a clean record (no accidents or
violations) for five consecutive years. For the Disappearing Deductible, these five years must
include a period of three consecutive years as a policyholder in the AARP Auto Insurance
Program (commencing after the effective date of the policy issued through this offer.) PA
drivers are not eligible for the complete disappearance of the deductible, although it will be
reduced to a minimum of $100.




                                                                                                    11
     Customer Service—Policy Changes
     Contacting Us for Service and Changes
         With the latest enhancements to our customer service capability
     and the expansion of our web site, we continue to strive for unrivaled
     excellence in service.
     You select the service that’s best for you.
     Enjoy fast, secure and convenient billing service 24 hours a day, seven
     days a week!
     Simply dial our toll-free customer service number (1-800-423-6789) and
     choose the “Billing” option to access the Automated Account Manager or visit
     the Online Customer Service Center at aarp.thehartford.com to:
        • Make a payment;
        • Verify your payment was received and processed;
        • Check your balance;
        • Obtain the amount and date of your next payment anytime;
        • Sign-up for our Billing Reminder Service (available online).
     Check out the expanded services and information available to
     you on our website:
        • View your current auto policy or print your ID card;
        • Make changes to your policy—it’s easy to add a driver, replace
          a vehicle or make changes to your coverages;
        • Add or remove your leasing or finance company;
        • Change your address or phone number. And much more!
     Our website also contains information about our other products.
     Remember to add aarp.thehartford.com to your list of favorites.
     Call us:
     If you have a question about your policy, need to make a change or would
     like to discuss ways to reduce your premium, one of our customer service
     representatives will be glad to help you. Just call toll free, 1-800-423-6789,
     Monday through Friday, 7 a.m. to 11 p.m., Eastern Time (ET) and Saturday,
     8 a.m. to 6 p.m., ET.
     Write us at:
     The AARP Auto Insurance Program, P. O. Box 2903, Hartford, CT 06104-2903.
     Or send us an email at AARPCustomerCenter@thehartford.com.




12
Changes to Your Policy
   Changes to your policy should be requested by you, our policyholder,
or in some cases a member of your family. Some changes will require
written confirmation. Remember to notify us about changes that affect your
policy. Contact us to:
   • Let us know you’ve retired;
   • Add or remove a driver from your policy (Please have
     driver’s license number available);
   • Change your policy limits;
   • Change your name, address or garaging information;
   • Remove or change the name of your finance or leasing company;
   • Add or remove coverage on a vehicle.
     Important:
     To add or replace a vehicle, please have your vehicle identification
     number, odometer reading, vehicle alarm system type and your
     finance or leasing company name and address available so we may
     expedite your request.
  It’s a good idea to review your coverage annually, and to make sure
you are getting full advantage of our credits and discounts, while
maintaining just the right coverage you need.




                                                                             13
     Claims
     Our Claim Commitment to You
     24-Hour Claim Service—Call Toll-Free 1-877-805-9918!
         Count on us to be there when you need us most. Our large
     countrywide claim service staff is on duty to take your call seven days a
     week, 365 days a year. When you need assistance, our network of
     knowledgeable claim adjusters and authorized auto repair shops can give
     you the help you need to get you back on the road as soon as possible.
     Claim Service Guaranteed in Writing
         We realize that it’s our ability to deliver the best claims experience
     possible that ultimately proves the value of your insurance—and the
     integrity of the company that stands behind its promise to you.
     The Hartford has been chosen to serve the insurance needs of AARP
     members. It’s a responsibility that each of our 1,600 claims associates takes
     very seriously. Each and every day we deliver outstanding claims service,
     and we stand behind our commitment to deliver the best claim experience
     possible on every claim, every time.
         We’ve put our promise to you in writing on the handy Claim and Service
     Card located on the last page of this guide.
          Please be sure to detach the card, write your Policy Number and
     Billing ID number on it, and keep it in your vehicle for quick reference.
     Convenient information on what to do in case of an accident and contact
     information for claim reporting and customer service is included on the
     reverse side of this card.
     Customer Repair Service Program
          The Hartford offers a Customer Repair Service Program that simplifies
     the claim process and provides a guarantee for the workmanship of the
     repairs performed by an authorized facility for as long as you own your
     car.
         In most cases, when you call the claim hotline 1-877-805-9918,
     we can refer you to local repair shops that meet our strict standards and
     guidelines. If you choose to use one of these shops, no additional claim
     estimates are required and any covered payments can be sent directly to
     the repair shop.
         Be sure to ask the Claim Specialist if your claim qualifies for use of our
     Customer Repair Service Program or for the closest authorized repair shop.




14
Glass Breakage Claims
Call in your Glass Breakage Claim—Toll-Free 1-877-805-9918
• Before you have any glass damage repaired, call our toll-free claim
  number, 1-877-805-9918, for important instructions on the best way
  to have the repairs done. Our claim specialists will evaluate the
  damage and advise you on how to proceed.
• The choice is entirely yours. We can arrange for glass repair or
  replacement to be done as quickly and conveniently as possible
  through our recommended glass service. In many cases, repairs can
  be done at your home or work location.
• Repair minor damage now and save money! Shown below are simple
  breaks, cracks, chips and dents that can be mended without installing
  a new windshield. Repairs can be done without removing the
  windshield, at no cost to you. So don’t wait, call us to arrange for repairs.




   Simple damage that can be mended, from 2” chips up to 6” cracks




         If you’re ever in an accident, report
             it right away — day or night!
            Call our toll-free Claim Hotline
            24 hours a day, 7 days a week.
                       1-877-805-9918




                                                                                  15
     Claims (Continued)
     Towing and Road Service Claims
         After towing or road service, complete and detach the Towing and
     Road Service Claim Form attached to this guide and mail it to the address
     indicated on the form. For prompt claim processing, make sure you attach
     your expense receipt to the form.




     Use This Form to Mail in your Towing and Road Service Claim.
¢
                      Towing and Road Service Claim Form
                      How to submit a Towing and Road Service claim:

        Attach original receipt of the towing or road service expenses.
        Complete the information requested below.
        Detach this form and mail to:
                  ClaimXchange
                  P.O. Box 68959
                  Indianapolis, IN 46268-0941

       Your Policy Number

       Your Full Name (please print)                                  Today’s Date

       Your Home Address: Street

       City                                                          State           ZIP Code
                                       $
       Date of Disablement             Dollar Amount of Towing or Road Service Expenses

       Year/Make/Model of Vehicle
16
                  Claim and Service Card
¢


    Please detach this handy card and keep it in your vehicle for quick
    reference in case you have an accident, need to make a change to
           your policy, or have questions about your coverage.


       What to Do if You Have an Accident
       •    Don’t leave the scene of the accident.
       •    Call the police or ask someone to call for you.
       •    Obtain the following information:
            —Name, address and daytime phone number of
             each driver, passenger and witness;
            —Name of insurance company and policy number
             for each vehicle involved.
       •    Call our 24-hour, seven day a week, toll-free claim
            reporting hotline 1-877-805-9918 right away!
            National Relay Service (for the hearing/speech
            impaired): 1-800-877-8973

       For non-claim related information about your
       coverage or changes to your policy:
       • Toll-free Customer Service: 1-800-423-6789
            Telecommunications Device for the Deaf (TDD):
            1-800-553-6148
            Monday-Friday, 7:00 a.m. to 11:00 p.m., Eastern Time (ET) and
            Saturday, 8:00 a.m. to 6:00 p.m., ET

            To add or replace a vehicle —Please have the following available
            so we may expedite your request: your vehicle identification number;
            odometer reading; alarm system type; and your finance or leasing
            company name and address.
       •    Free Automated Account Manager —
            Available 24 x 7: 1-800-423-6789 and choose
            “Billing” option
            Web Site: aarp.thehartford.com
            Email: AARPCustomerCenter@thehartford.com

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