You can report a claim directly with your insurance company online or by phone 24/7. In fact, most insurance companies prefer that you first contact them directly. Why? Because your claim gets processed immediately and firsthand, making the whole process faster and more efficient. Besides they have an entire department of dedicated professionals whose only job is to help you file your claim.  Of course, as your insurance agent we always welcome you to contact us if you would like to discuss your claim or have any questions.