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How to File a Car Insurance Claim with Farmer’s

by on September 17, 2015 » Add the first comment.

When you are involved in a car accident, filing a claim is probably the last thing on your mind. After such an emotional experience, it can be hard to think clearly. However, proper documentation, from who was involved to what was damaged, is critical. Having documentation for an accident can save you time, money, and hassle. Follow our step-by-step guide for what to do if you need to file an auto insurance claim with your Farmer’s policy. 

Immediately After an Accident

When you have been in an accident, make sure your mind is clear so you can be prepared for what happens next. Take the following steps:

  • Relax, and take a few deep breaths.
  • Check for injuries in your party and with the other driver. When in doubt, call 911.
  • If the accident is minor, move cars to the side of the road or out of traffic.
  • Turn on your vehicle’s hazard lights, and use cones, warning triangles, or flares for safety.
  • Even if the accident is minor, call the police to get an accident report.

As soon as you are able, make sure that you notify your Farmer’s agent.

On the Scene

Your mind may still be reeling from what you just experienced, but make sure you get this information while you are still at the scene:

  • Get insurance information from the other driver, as well as anyone else involved in the accident. Take a picture of their insurance card, if you can.
  • Take pictures of the damage to your vehicle. If other structures were involved, take pictures of these, too.
  • Ask any witnesses for their names and contact information.
  • Make notes about the accident: the location (including street names), time, license plates of those involved, and even road or weather conditions. There is no such thing as too much information when it comes to your claim.
  • When the police officer makes the report, ask him or her for as much information as possible (accident report number, badge number, card, etc.)

Filing a Claim

Once you are ready to file your claim, you will want to contact your Farmer’s agent. Your case will be assigned to a claims representative, and he or she will request the following information:

  • The date and approximate time of the accident
  • A description of what happened. Stick to the facts, and do not embellish.
  • The location of the accident (like cross streets).

To make the process easier, have this information handy:

  • Your driver’s license number
  • Your car registration
  • Your insurance card
  • Your policy number
  • The names, license plate numbers, and insurance information of the other drivers involved
  • Witness information (if applicable)
  • Police and accident report info (if applicable)
  • The name of the police officer who filed the report

Once your claims expert has all the necessary information, he or she will go over the specifics of your policy and let you know what is covered. Your claims adjuster will then review the evidence, which may be inspecting your car, examining any injury claims, and offering you an initial payment. 

Case Resolution

Once an adjuster has made an estimate on the value of the repairs, he or she will resolve your case by offering you payment or reimbursement for car repairs or medical bills. Make sure you keep all of your receipts, but do not start any work until your insurance company has authorized it. You do not want to end up paying for any repairs that will not be reimbursed.

If you are having trouble getting an insurance company to pay for your claim, you may want to consider hiring an attorney to expedite the process. Sometimes even the act of hiring counsel can lead to a faster check for repairs

Find more like this: Insurance Law

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