What You Should Know
- It’s important to record evidence and take photos after an incident, as well as note critical details like time, date, and location
- When relevant, you should also file a police report and gather contact information from witnesses, as well as the insurance, license, and plate details from the other driver
- Failing to include critical details can result in slow claim processing or outright denial from Farmers
While extensive vehicle damage is always stressful, getting proper compensation can depend on how responsible you are after an accident. Working for one of the best affordable auto insurance companies, Farmers representatives process countless claims every day, so they want your claim to be as seamless as possible.
What you need to file an auto insurance claim with Farmers can feel excessive, but it’s easy to collect and provide if you’re proactive. Learn the details below.
Information You Need to File an Auto Insurance Claim With Farmers
If you’ve never been in a collision or a victim of vandalism, weather, or similar incidents, you may not even know how to file an auto insurance claim. However, you can actually gather most of the details and evidence you need to file with Farmers on the day of an incident. This information includes:
- Details from any other drivers involved — their insurance company, policy details, license and plate number, and basic contact info (if you forget this, learn what to do if you didn’t get any insurance information after an accident)
- The date, time, and location of the incident: — the more specific, the better.
- Your own policy number and insurance details
- Summary of the event, including any details leading up to it
- Description and photos of personal injuries and vehicle damage
- Medical records and repair estimates (you can acquire these afterward and follow up with your adjuster)
- A copy of the police report — this helps prove you were not at fault for a collision and ensures that Farmers will take your claim seriously
- Witness statements and contact information
Always remember to file a claim as soon as possible, and don’t procrastinate or leave out essential details. How long it takes for an auto insurance company to pay out a claim can depend on how quickly you file.
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If You Don’t Have the Right Information to File a Claim With Farmers
Submitting insufficient information does more than just slow down claim processing; it can also result in a partial coverage decision and less money for you. Farmers may not have enough information to understand the damages and what repairs or medical attention will cost you.
Your claim may also be rejected or marked incomplete due to insufficient information. In this case, you can usually file it again after collecting everything you need. However, it will take even longer to receive compensation.
A Final Note on What You Need to File an Auto Insurance Claim With Farmers
Many overwhelmed drivers want to take their time reporting a serious incident to Farmers — but this is a mistake. It’s important to gather the details you need for Farmers to process your claim quickly and without any issues.
At the end of the day, submitting detailed information always improves your chances of a smooth claims experience.
Frequently Asked Questions
How long does it take for an insurance claim to be approved?
If the incident is easy to understand, you present enough evidence, and you file a claim promptly, it may be approved in a few weeks. Claims take longer if you take too long to file, don’t have enough evidence, and other drivers complicate the process.
Can I keep extra money from my insurance claim?
You may be able to keep extra money as long as you are not violating the terms of your policy. Always check with your insurance company before doing so.
When should I file a car insurance claim?
You should file a claim if vehicles have sustained major damage, someone is injured, or you suspect another driver does not have auto insurance coverage.
You may not want to do so if repairs cost less than your deductible or you caused the damage yourself and can afford to pay out of pocket. Always file a claim as soon as possible.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance…
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