How do I file a car insurance claim with Farmers?

How do you file a car insurance claim with Farmers? Our Farmers Insurance review finds that the company achieves a good rating for claims satisfaction, including a strong 872 out of 1,000 points from J.D. Power.

Most Farmers policyholders register for online access or use the Farmers mobile app. You can save time by taking photos of the damage with your phone and then uploading them using the mobile app.

How to File a Claim with Farmers Insurance

Figuring out how to file a car insurance claim starts with the following steps:

• Assemble the necessary information: Write down the location and time of day of the accident, keep photos of the damages,  ask for a copy of the police report, and gather insurance and contact information about the other driver(s) and any others (witnesses) involved in the accident.
• File a car insurance claim online or with an agent: File the claim using the help of your agent/customer service, using online account access, or the mobile app.
• Remember your claim number: Write down the claim number assigned to your claim. Use this number as a reference on all documents and photos you upload.
• Maintain regular contact with your insurance adjuster: An insurance adjuster will evaluate the damages and process the claim.
• Keep track of your claim: Track your claim online or by using the mobile app.

After filing your claim, the next step is to make an appointment to inspect the damages and repair the vehicle. Double-check your policy because you need full coverage car insurance with comprehensive and collision coverage to pay for most repairs.

Read more: Can I track the progress of my car insurance claim with Farmers?

How to Pay for Repairs with Farmers Insurance

You have two options when it comes to getting repairs made:

• For option one, you may take your car to a pre-approved repair shop that is part of the Farmers’ authorized network of highly trained repair facilities.
• For option two, you may choose to repair your car at a body shop or mechanic not registered in the Farmers network. In this case, you will need to submit photos of the damage for the insurance adjuster to be able to make an estimate for the repairs.

If you use a pre-approved repair shop that is part of the Farmers Insurance repair network, Farmers guarantees the repairs as long as you own the vehicle.

Whatever method you use to get the repairs made, you will receive a written estimate of the cost. Once the repair estimate is approved by Farmers and accepted by you, Farmers will either pay you the amount less your deductible or pay the repair shop if it is a member of the Farmers network.

Bottom Line on Filing a Farmers Car Insurance Claim

Fortunately, Farmers is among the best car insurance companies for paying claims. It has a smooth process for filing a claim and excellent customer service provided by a local agent.

Still, you must pay the deductible to the repair shop to get the repairs made. You can ask your local agent to help with your claim and to keep you informed about its progress.