Just had an accident? Here's what to do.

A claim is stressful — that's exactly when having a real local agent matters. Here's how to start, and how we help.

If anyone is hurt or it's an emergency, call 911 first.
Then, when you're safe: 📞 Call us — 573-594-5148
We'll walk you through starting the claim with your carrier. Day or night — Lucy answers 24/7.

At the scene (if it's a car accident)

1. Get safe

Move out of traffic if you can, turn on hazards, check on everyone. Call 911 if anyone's injured.

2. Document it

Photos of all vehicles, damage, the scene, and any injuries. Get the other driver's name, phone, insurance company + policy number, and plate. Note the location and time.

3. Get the police report

For anything beyond a minor fender-bender, file a report and get the report number.

4. Don't admit fault

Exchange info and stay factual — let the adjusters determine fault.

How to start your claim

You have two easy paths:

Call us — 573-594-5148. Tell us what happened and we'll help you open the claim with your carrier and explain what's next.
Or contact your carrier's claims line directly (it's on your insurance card / policy documents). Then let us know so we can advocate for you.

Either way, keep us in the loop — that's the advantage of an independent agent: we're on your side through the whole process, not just at the sale.

Home, property, or other claims

Same idea: document the damage with photos, prevent further damage if you safely can (e.g., shut off water on a burst pipe), and call us — we'll help you start it and make sure nothing gets missed.

Checking claim status or making a payment

For claim status or a premium payment / due date, give us a call at 573-594-5148 — we'll look it up or point you to your carrier's portal. You can also make an agency payment here.

General guidance, not legal advice or a coverage determination; what's covered depends on your policy and carrier. BNW Services LLC, licensed independent agency. See disclosures.