What You Should Know
- The time taken to process an auto insurance claim from American Family depends on the type of incident, the claim amount, the information available, and several other factors
- American Family issues payment 24 to 48 hours after you and the insurance adjuster agree on the damages and estimates
- If you choose a certified repair program shop, American Family will make the payment directly to the shop
Whether you’ve had a major crash or a minor fender-bender, filing an auto insurance claim can be tricky. If you are an American Family policyholder, you may wonder about the time it takes for the company to process your claim.
American Family Insurance has been a Fortune 500 company in the insurance business for more than 90 years and has earned a strong reputation.
We are here to help you understand how insurance claims work and how long American Family takes to process a claim. This article explains how and when to file a claim with American Family, what factors determine the processing time, and how soon you can expect the payout.
How long does the claim process take for American Family?
According to the American Family website, the payment for vehicle repairs is usually issued within 24 to 48 hours once you and your adjuster have agreed on the repairs.
However, the processing time will increase if the car is totaled or a claim requires further investigation. A claims adjuster will speak to witnesses and seek documents such as police reports or medical files to develop a clearer picture of the incident.
Since this investigation can take a few days or a few weeks, the time to process your claim will vary.
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How to File an Auto Insurance Claim With American Family
You can file a claim by contacting an American Family agent or calling the company’s claims department at 1-800-MYAMFAM (1-800-692-6326). You can also use other convenient options, such as the company’s MyAmFam app, or log in to your account on the American Family website.
Steps in the Claims Process for American Family
After you file a claim, an American Family claims representative will call you after you file your claim to guide you through the rest of the process. They may also seek additional information about the incident.
If needed, a company-appointed insurance or claims adjuster will investigate the claim and damages to the vehicles involved. The company will also check the repair estimate you or the shop provide.
You can check the status of an auto insurance claim at any time during the process. Once the company approves your claim, you pay the deductible, and the company will release the payout.
The company will pay the shop directly if you use an American Family Dreams Restored Program-certified repair shop. Read more about how auto insurance companies pay out claims.
Claim Processing Time for American Family
The auto insurance claim process for American Family varies from a few days to a few weeks, depending on the nature of the incident and the claim amount, among other factors.
The company issues the settlement 24 to 48 hours after the policyholder and claims adjuster concur on the repair estimates. You can expedite the process by sharing as much information as possible with the claims representative and filing the claim as soon as possible after the incident.
Frequently Asked Questions
How long does the claims process take for American Family?
The exact timing of a claim settlement process varies from a few days to a few weeks. However, American Family issues the settlement check soon after you and the insurance adjuster agree on the repairs and estimates.
Can my car insurance claim be rejected?
Yes, your claim can be rejected if the insurance company suspects fraud, the damage is not within the scope of the different types of auto insurance coverage you have, or you have not provided adequate information about the incident.
Therefore, provide as much information as possible and truthfully answer any questions the claims representative asks you.
What is the time limit to file a claim with American Family?
This depends on your location. Most states have a statute of limitations on car insurance claims, ranging from one year to 10 years.
Therefore, it is best to file the claim as soon as possible, providing information such as photos of damage to your car and other vehicles, contact information of others involved, and medical reports.
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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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