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How To Start a Claim

At Smith-Reagan Insurance Agency, we understand that the most important aspect of our relationship with you is the way in which we deal with your claims. We are dedicated to assisting you with each step in anyway that we can.
You can call our agency at (956) 399-1353 to report any claim during business hours. We will guide you with the steps concerned with the claim process for that insurance plan.
Other than during our business hours, you can directly contact your insurance carrier and then get in touch with us soon after that.
Following an accident, the following information will be helpful in making your claims faster.


  • Contact our office and report the damage caused.
  • After verifying your deductibles and coverage, we will advise you on how to get it repaired.
One Vehicle Accident
  • Stop the vehicle and if possible, take it to a safe place.
  • Seek immediate medical assistance if there is any injury to you or other passengers.
  • Report the accident to our office as soon as possible. We will help you with the estimates of the repair costs after verifying your deductibles and coverage.
Two or More Vehicles Accident
  • Stop the vehicle and if possible, take it to a safe place.
  • Stay at the point of accident. Seek immediate medical help if you or any other passenger is injured.
  • Exchange the following information with other drivers: name, address, contact number, ownership and type of vehicle, description of damage, and insurance information.
  • Note the names and contact numbers of any witnesses.
  • Call the police. Answer their questions and cooperate with the investigation.
  • Do not admit that it was your fault. You do not have all the details of the accident.
  • If your vehicle needs to be towed, ask it to be taken to your preferred repair shop.
  • Report about the accident to our office. We will verify your deductibles and coverage and then set up your claim with your insurance carrier.
Property (Fire, Theft, Water, Wind, Vandalism,etc.)
  • Make all the necessary repairs to ensure that no further damages are caused. For instance, turn off the water main for a pipe burst, or put some waterproof material on the roof in case of leaks. Keep the receipts and maintain a record of these immediate expenditures.
  • Immediately call the police if the damage involves vandalism, theft or other crime.
  • Contact our office to report the loss. We will crosscheck your deductibles and coverages and advise you in getting your estimated cost of repairs for the claims.

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