Insurance is a means of protection from financial loss today and in the future. From customized insurance options to superior claims service, at Rickard Insurance Agency we advise our clients every step of the way.

When an accident happens and you have to file a claim, you have options. Keep reading for details on filing a claim in North Carolina or South Carolina along with a list of carriers that AAA Insurance partners with to provide coverage for our members.

WHAT IS THE PURPOSE OF AN INSURANCE CLAIM?

Insurance is unlike any other product out there because you pay for it and hope you never have to actually use it. After an accident or tragedy, insurance claims protect people from financial devastation. An insurance claim is defined as “a formal request for money after a major loss” at its most basic level.

When an insured item is damaged, stolen, or rendered unusable, insurance claims allow people to recover the value of the item without incurring a significant financial loss. Keep reading to find out how to file an insurance claim.

WHY FILE AN INSURANCE CLAIM?

For most people, the most valuable things in their lives, such as vehicles, homes, and health, are too expensive to replace out of pocket. Insurance claims are a tool for people to reduce the risk of disasters or accidents occurring in their lives. When life takes a turn for the worst, filing an insurance claim can empower average people to secure their livelihood.

WHEN REPORTING AN INSURANCE CLAIM, PLEASE HAVE THE FOLLOWING INFORMATION READY:

• Date and location of the occurrence
• Insurance card
• General description of what happened

For insurance claim questions during regular business hours, Monday through Friday 8:30 am – 5:30 pm, please call a claims specialist at Rickard Insurance Agency directly at (803) 339-8205.

If you need to file an urgent insurance claim, on the weekend or after business hours, you can call the carrier directly using the telephone numbers provided below.

CONTACT YOUR INSURANCE COMPANY’S CUSTOMER SERVICE DEPARTMENT:

• AAA INSURANCE – THE MEMBERS INSURANCE COMPANY

• AAA INSURANCE – UNIVERSAL INSURANCE COMPANY

• AMIG

• FOREMOST INSURANCE

• THE HARTFORD

• NCJUA/NCIUA

• PROGRESSIVE

• TRAVELERS

• ZURICH NORTH AMERICA 

In South Carolina and North Carolina, we can assist you with Auto Insurance, Homeowners Insurance, Life Insurance, Renters Insurance, Small Business Insurance, Boat Insurance, Golf Cart Insurance, Motorcycle Insurance, Rental Property Insurance, and AAA Membership.

HAVE ADDITIONAL QUESTIONS OR CONCERNS?

Please call Rickard Insurance Agency: (803) 339-8205

Visit us online at: rickardinsuranceagency.com