How do I file a car insurance claim with American Family? (2024)

American Family has an excellent customer satisfaction rating, according to J.D. Power, and we reviewed the company as one of the best car insurance companies for paying claims. Below, we’ll help you understand the process filing a car insurance claim with American Family.

How to File an Insurance Claim with American Family

Here are the steps from our expert guide on how to file a car insurance claim:

• Have the needed information handy. Document the accident when making a claim by giving the location and time of day of the accident, photos of the damages, a copy of the police report with witness statements (if any), and contact/insurance information about the other driver(s).
• File the claim with American Family’s Claim Center. You can reach a claims representative by contacting American Family’s customer service center at 1-800-692-6326 or filing your claim online.
• Remember your claim number. After you file a claim, you will receive a claim number for tracking the process.
• Reach out to your claims representative regularly. An American Family claims representative evaluates the damages when processing the claim.

After you file your claim, an American Family claims representative will contact you to schedule an appointment to inspect the damages. The damage inspection provides the information needed to create a written repair estimate. (For more information, read our “Can I track the progress of my car insurance claim with American Family?“).

Read our American Family Insurance review to better understand your coverage and your car insurance deductibles, which is how much you must pay out of pocket.

Read more: What documentation do I need to file a car insurance claim with American Family?

Repairs and Payment for the Repair Bill

When the claims representative from American Family and you agree with the estimate for making the repairs, you can get the repairs made and paid for. You may choose to take your car to a certified shop in the American Family Restore Your Dreams Program or your regular mechanic.

When Not to File a Car Insurance Claim with American Family

If your car has minor damage and there were no injuries caused by the accident, you might choose not to file a claim with American Family for a few important reasons, such as

• The damage repair costs less than your deductible
• The other driver is at fault, and you plan to make a claim against the other insurance company
• You want to avoid any insurance rate increase.

The claim you file depends on the type(s) of coverage you carry, and you need full coverage car insurance to file claims for natural disasters, fires, and other types of property damage to your insured vehicle. (Read More: How Much Car Insurance You Need)

You can also refer to our guide on collision vs. comprehensive coverage to get a better idea of your coverage. For example, you need comprehensive car insurance if your car is stolen and not recovered. If you do not have comprehensive coverage, making a claim for theft is a waste of time, as the claim will be denied. (Read More: Does car insurance cover stolen items?)

American Family Insurance Claims are Easy to File

Filing a car insurance claim with American Family is easy. All you have to be concerned about is your deductible and the policy limits. If you carry less than full coverage, you may need to carefully review your policy’s terms and conditions to understand the car insurance coverage.