How does the car insurance claims process differ for uninsured/underinsured motorist coverage with Farmers?

How does the car insurance claims process differ for uninsured/underinsured motorist coverage (UM/UIM) with Farmers? There are few situations as challenging as getting into a collision with an uninsured or underinsured motorist.

You may already know how to file a car insurance claim, but you still might not be prepared. Thankfully, Farmers provides UM/UIM coverage to help pay for these accidents.

How the Car Insurance Claims Process Differs for Uninsured/Underinsured Motorist Coverage With Farmers

The claims process for an uninsured or underinsured motorist collision is conducted in the same way as you would conduct any collision claim. Bear in mind that basic car insurance coverage with collision service isn’t going to cover all of the damages or injuries.

That said, there are some other options that you can add to your current coverage. Thankfully, it isn’t a massive increase in your current coverage, averaging around 3.5% more than the premium for basic coverage.

You might be carrying it already if you have any of the full coverage plans available from Farmers.

Important Things to Keep in Mind When Filing a Farmers Car Insurance Claim

According to many Farmers insurance reviews and complaints, the company can be somewhat unresponsive regarding car insurance claims. In addition to higher premiums than the national average, customers have had several issues with the actual claims process and subsequent settlements. (For more information, read our “”).

Read more:

• Can I track the progress of my car insurance claim with Farmers?
• Will my insurance premium increase if I file a car insurance claim with Farmers
• What happens if I disagree with Farmers’ decision on my car insurance claim?

Understanding Farmers Uninsured/Underinsured Motorist Insurance

Farmers does offer uninsured and underinsured motorist coverage. The increase in your pay period payments isn’t significant and definitely worth considering. Unfortunately, Farmers doesn’t rank among the best uninsured motorist insurance companies, but it is good to have the option available.

Additionally, UM/UIM coverage is required in 22 states, so you might already have it on your current coverage if Farmers is your insurance company. Considering the minimal additional cost when adding it to your current policy, it often makes sense just to carry it just in case you need it.

The Last Word on the Farmers Insurance Claims Process for Uninsured and Underinsured Motorists

With Farmers uninsured and underinsured motorist coverage, the claims process operates similarly to some of the more typical collision claims. While an accident with an uninsured or underinsured driver can be frustrating, with the appropriate Farmers car insurance, you should be back on the road in no time.

However, you’ll likely find more affordable UM/UIM insurance if you shop around with local companies. Use our comparison tool below to start comparing free car insurance quotes today.