Selective Insurance Company of America: A Comprehensive Guide

Selective Insurance Company of America, commonly known as Selective, is a leading provider of property and casualty insurance products in the United States. Founded in 1926, the company has grown steadily over the years and today, it is one of the largest insurance companies in the country, serving millions of customers across the nation.

History of Selective Insurance Company of America

Selective Insurance Company of America was founded in 1926 by Daniel L.B. Smith in Branchville, New Jersey. Originally, it was named Selective Auto and Fire Insurance Company of America and specialized in providing insurance coverage for automobiles and fire accidents.

Over the years, the company expanded its offerings and started providing insurance products for homes, businesses, and other types of properties. In 1960, the company changed its name to Selective Insurance Company of America to reflect its new range of products.

In the following years, Selective continued to grow and expand its operations, and by the 2000s, it had become one of the largest insurance companies in the country. Today, the company has more than 2,400 employees and provides insurance coverage to customers in all 50 states.

Selective Insurance Products

Selective Insurance Company of America provides a wide range of insurance products to meet the needs of its customers. Some of the products offered by the company include:

Selective Insurance Coverage Options

Selective Insurance Company of America offers several coverage options to its customers depending on their needs and preferences. Some of the most popular coverage options offered by the company include:

1. Comprehensive Coverage

Comprehensive coverage provides protection against damages to the insured vehicle caused by natural disasters, theft, vandalism, or other events not covered by collision coverage.

2. Collision Coverage

Collision coverage provides protection against damages to the insured vehicle caused by accidents with other vehicles or objects.

3. Liability Coverage

Liability coverage provides protection against damages to persons or properties caused by the insured party. It includes both bodily injury liability and property damage liability.

4. Personal Injury Protection (PIP)

PIP provides coverage for medical expenses, lost wages, and other related expenses in case of injuries sustained by the insured party or their passengers in an accident.

5. Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage provides protection against damages caused by uninsured or underinsured motorists.

Selective Insurance Claims Process

If you need to file a claim with Selective Insurance Company of America, you can do so by following these steps:

Step 1: Report the Incident

Report the incident to the company by calling their toll-free number or filing a claim online. Provide as much information as possible about the incident, including the date, time, and location.

Step 2: Consult with an Adjuster

After the incident is reported, an adjuster will be assigned to your case. The adjuster will contact you to discuss the details of the incident and provide guidance on what documents and information you need to provide to support your claim.

Step 3: Provide Documentation

You will need to provide documentation such as police reports, medical bills, and repair estimates to support your claim. The adjuster will guide you through the process and let you know what documents are required.

Step 4: Receive Payment

If your claim is approved, you will receive payment from the company to cover the damages or losses you incurred.

Frequently Asked Questions (FAQ)

1. What is Selective Insurance Company of America?

Selective Insurance Company of America is a leading provider of property and casualty insurance products in the United States. It was founded in 1926 and today, it serves millions of customers across the country.

2. What types of insurance products does Selective Insurance offer?

Selective Insurance Company of America offers a wide range of insurance products, including auto insurance, home insurance, business insurance, liability insurance, and life insurance.

3. What is comprehensive coverage?

Comprehensive coverage is an insurance policy that provides protection against damages to the insured vehicle caused by natural disasters, theft, vandalism, or other events not covered by collision coverage.

4. How do I file a claim with Selective Insurance?

To file a claim with Selective Insurance Company of America, you can call their toll-free number or file a claim online. You will need to provide details about the incident and any relevant documentation to support your claim.

5. How long does it take to process a claim with Selective Insurance?

The time it takes to process a claim with Selective Insurance Company of America can vary depending on the details of the case. However, the company strives to process all claims as quickly and efficiently as possible.

Conclusion

Selective Insurance Company of America is a well-respected insurance provider with a long history of providing high-quality insurance products and services. Whether you need coverage for your home, business, or personal property, Selective Insurance has a range of options to meet your needs. With their commitment to customer service and efficient claims process, they are an excellent choice for anyone looking for reliable insurance coverage.