What is considered an incident that should be reported?

It is better to report incidents when you can collect information on who witnessed the event, and the facts are fresh in your mind. Typical incidents would be if someone’s property was damaged, or there was an injury that required immediate medical attention. However, we recommend that if you are in doubt, report the incident by completing the claim form. The self-insured retention of $1,500 will only be requested when the Insurer starts to incur costs for investigation, defense, etc. Therefore, there is no harm in assuring you have filed a potential claim with the insurance company should no third-party demands come from the incident within the statute of limitations.