How long does it take for American Family to process a car insurance claim?

A car accident often feels overwhelming, and it’s common to want your life to return to normal ASAP. A key step in that process is getting your repair costs and associated expenses paid with car insurance coverage so you can get back safely on the road.

But how long does it take for American Family to process a car insurance claim? If you have an American Family Insurance policy, here’s what you can expect from the standard process.

How Long It Takes for American Family to Process a Car Insurance Claim

If you submitted a claim, you’re probably wondering when you can get the results – when you find a check in the mail, a deposit in an account, or a receipt of payment to a repair shop.

A lot of work goes on behind the scenes when processing a claim, including analyzing liability, pricing repair costs, and collecting evidence. As you can imagine, this process can vary greatly from accident to accident, so process times can vary too.

However, policyholders receive a settlement check within 24 to 48 hours for most vehicle repairs.

The American Family Car Insurance Claim Process

The claims process only begins after you file following an accident. Then, American Family, one of the best car insurance companies that sell online, goes through several steps, including:

• Beginning a review process to assess the damage and ensure you meet car insurance requirements. This typically includes receiving repair estimates or estimating the vehicle repair cost. Repairs aren’t necessary if the vehicle is totaled and no longer usable, but this may lengthen the processing time.
• Gathering all available evidence and information and may ask you for additional information they don’t have.
• Gathering any necessary medical information like doctor reports and hospital bills. This can greatly lengthen the processing time, so providing this medical data as soon as possible is important.
• Approving a settlement amount, at which time the insurance company typically sends money to you.

Policyholders also have the option to disagree with the settlement amount. For example, this can happen if the repair shop’s estimate differs greatly from the insurance estimate provided. In this case, you may want to contact your claims representative to explain the discrepancy and submit additional information.

Read more: What is American Family’s policy on rental car coverage during the claims process?

Check Your Status When Waiting for American Family to Process a Car Insurance Claim

You can check the status of your American Family claim at any time. The easiest way is to log into your account online or through the MyAmFam app, which will show the current status of any claims. Or you can send a message to your agent asking them for more details.

Checking on the status of your claim also lets you see the information your claims adjuster has submitted so far.

Learn more about American Family by visiting our American Family Insurance review.

Getting Results for How Long It Takes for American Family to Process a Car Insurance Claim

American Family typically sends settlement checks for simple accidents within a day or two. However, complex accidents can take much longer, especially those involving injuries. Always remember you can call or check your claim online to see what’s happening and ask for updates.

Case Studies: Examining American Family Insurance’s Claims Process in Real-World Scenarios

Case Study 1: Speedy Resolution

Mr. Johnson, a policyholder with American Family Insurance, was involved in a minor car accident. He promptly filed a claim with the company and provided all the necessary information and documentation. Thanks to the efficient claims process of the American Family, Mr. Johnson received a settlement check for his vehicle repairs within 24 hours of filing the claim.

Case Study 2: Complex Accident

Ms. Smith, another policyholder with American Family Insurance, experienced a more complex accident that involved injuries. The claims process for her case took longer due to the additional investigations and evaluations required.

However, American Family Insurance remained in constant communication with Ms. Smith, providing updates on the progress of her claim. Ultimately, she received a fair settlement to cover her medical expenses and vehicle repairs.

Case Study 3: Discrepancy Resolution

In a different scenario, Mr. Thompson submitted a claim for car repairs after an accident. However, the estimate provided by the repair shop differed significantly from the insurance estimate. Mr. Thompson decided to contact his claims representative at American Family Insurance to address the discrepancy.

He provided additional information and evidence to support his claim. American Family Insurance thoroughly reviewed the case, reconsidered the estimate, and provided a revised settlement amount that was agreeable to both parties.