State Farm Auto Insurance: Filing A Claim Made Easy

Filing an auto insurance claim with State Farm can be done in three ways: online, through their mobile app, or over the phone. Regardless of the method, you will need to provide information such as the date, time, and location of the accident, as well as details of the vehicles involved and a description of the accident and damages. It is also recommended to notify the police and gather information from all parties involved, including witnesses, to support your insurance claim. If your vehicle is not drivable, you can request roadside assistance from State Farm.

Filing a claim online or via the State Farm app

Filing an auto insurance claim online or via the State Farm app is a fast and easy process. Here's a step-by-step guide to help you navigate the claims process:

Step 1: Report the Accident

It is important to report any auto accident involving you, a family member, or a vehicle for which you are the registered owner. Failure to report a claim promptly can result in a denied claim. You can start the claim process immediately at the scene of the accident and add details later when things are calmer.

Step 2: Gather Information

After ensuring everyone's safety and calling for medical assistance if needed, collect information from all parties involved in the accident. This includes the names, contact information, and driver's license numbers of drivers and passengers, vehicle descriptions (make, model, year), license plate numbers, insurance companies, and policy numbers. If there are eyewitnesses, be sure to collect their contact information as well. Additionally, take photos of the vehicles involved and the accident scene if it is safe to do so.

Step 3: Contact Your Insurance Agent

Notify your State Farm insurance agent as soon as possible. They will guide you through the claims process and answer any questions you may have. You can reach them through the State Farm website, mobile app, or by calling their customer support line.

Step 4: File the Claim

Filing a claim with State Farm can be done in several ways. You can file a claim online through their website or via the State Farm mobile app. The app allows you to access claim information and complete tasks remotely from the convenience of your device. If you encounter any issues while filing your claim online, you can use the online chat feature or call State Farm's customer service for assistance.

Step 5: Provide Necessary Information

When filing your claim, be prepared to provide the following information:

• Date and time of the accident
• Location of the accident
• Vehicles involved (make, model, license plate)
• Description of the accident
• Description of the damages
• State Farm policyholder's name and policy number
• Any photographs, police reports, or other relevant evidence

Step 6: Work with the Claims Adjuster

Once you have reported the damage, a claim adjuster from State Farm will review the details of your claim. They will inform you if they require any additional information and guide you through the next steps in the process. You will also need to obtain an estimate from a repair shop for the repairs. If your claim is approved, State Farm will arrange the payment for the repairs, minus your deductible, for the covered losses.

Remember, it is always a good idea to review your policy and understand your coverage before filing a claim. Additionally, if you have any concerns or questions throughout the claims process, don't hesitate to reach out to your State Farm insurance agent or customer support for assistance.

Calling State Farm to file a claim

• Date and time of the accident
• Location of the accident
• Vehicles involved (make, model, license plate)
• Description of the accident
• Description of the damages
• State Farm policyholder's name
• State Farm policy number
• Any photographs, police reports, or other evidence of the crash

After you report your claim, a State Farm claims adjuster will review the details and let you know if they need any additional information. They will also inform you of the next steps in the process. As part of the claims process, you will need to get an estimate from a repair shop. If your claim is approved, State Farm will pay for the necessary repairs, minus your deductible.

In addition to calling, you can also file a claim with State Farm online through their website or mobile app. If you experience any issues with filing your claim online, you can use the online chat feature or call State Farm's customer service for assistance.

What to do after a car accident

Being in a car accident can be stressful, but it's important to try to remain calm and focused. Here are some detailed instructions on what to do after a car accident, to help you navigate the situation safely and effectively.

Firstly, if the accident is minor, move your vehicle out of traffic to a safe place. Put your hazard lights on and use any cones, warning triangles, or flares you have for added safety. Check for injuries and call an ambulance if anyone is hurt. Even if the accident is minor, call the police. A police report will be very helpful for your insurance claim and can help establish who is at fault.

Next, collect information from everyone involved in the accident. This includes the names and contact information of drivers and passengers, vehicle descriptions (make, model, year), driver's license numbers, and license plate numbers. Also, get insurance company and policy details, and the names and contact information of any eyewitnesses. Take photos of all vehicles involved and the accident scene if it is safe to do so. Remember not to sign any documents unless they are for the police or your insurance agent. Be polite, but do not admit fault, even if you think it was your mistake.

You can start the claim process right away at the scene, and you can add further details later when things are calmer. File a claim online, use the State Farm mobile app, or call their claims number. Notify your insurance agent as soon as possible. If your vehicle is not drivable, you can request roadside assistance from State Farm.

If your vehicle is severely damaged and cannot be repaired, it may be declared a total loss. In this case, you will need to prepare your vehicle for salvage. Collect your license plates, personal items, and paperwork from the vehicle, and make sure you have all sets of keys and the title. Delete any personal information from the vehicle's navigation or phone system. If your policy includes rental reimbursement coverage, you can schedule a rental vehicle. You will then need to transfer the title to State Farm and give your finance or leasing company permission to work with them on your claim.

Remember, it is your responsibility to act appropriately after a car accident. Do not leave the scene, as this is against the law and can put your license at risk.

Total loss auto claims

If your car is damaged in an accident, you may need to file a claim with your insurance company. If your car is a total loss, there are a few things you need to do:

First, you need to report the loss to your insurance company as soon as possible. You will also need to report it to the police if you suspect theft or vandalism. Gather as much information as you can from the scene of the accident, including the names and contact information of any drivers, passengers, and eyewitnesses, as well as the vehicle descriptions, driver's license numbers, license plate numbers, and insurance information. Take photos of the vehicles involved and the accident scene if it is safe to do so.

Next, you will need to prepare your vehicle for salvage. Remove all personal items, license plates, and any paperwork from the vehicle. Make sure you have all copies of the keys and the title. You will also need to delete any personal information from the vehicle navigation or phone system. If your policy includes rental reimbursement coverage, you can schedule a rental vehicle.

Then, you will need to transfer the title of the vehicle to the insurance company and give your finance or leasing company permission to work with them on your claim. Complete all the required documents, including the title transfer.

Finally, you will need to update your insurance policy. Consult with your insurance agent to discuss your policy options after the title transfer and rental vehicle return. Keep in mind that the insurance company has the option to replace or repair your vehicle, or pay for the loss in cash. If they choose to make a cash settlement, they will first determine the retail value of your vehicle, taking into account factors such as its make, model, mileage, condition, and any applicable deductions.

Your rights when filing a claim

As a policyholder, you have certain rights when filing a claim. Your insurance policy is a legal contract that defines your rights and obligations, as well as those of the insurance company. Every state has laws to protect consumers, and you can contact your state insurance department, state attorney general's office, or your state's consumer affairs department for more information.

In Florida, for example, your insurer is expected to acknowledge your claim within 14 days of filing. Within 30 days of submitting a proof-of-loss statement, they must inform you whether your claim is denied, partially covered, fully covered, or under investigation. The claim should be resolved with payment or denial within 90 days of filing.

When filing an auto insurance claim with State Farm, you can do so online, through their mobile app, or by calling them. They will ask you to describe what happened, and then they will check your claim and policy and provide you with next steps. They will then arrange payment for covered losses, minus your deductible.

Frequently asked questions