What You Should Know
- Receiving payment for most car insurance claims takes a few weeks
- Claims that involve injuries, lawsuits, or larger amounts of money often take longer
- Sharing lots of information with your adjuster can help you speed up your claim
What happened in an accident and the regulations in your state can make the claim process longer or shorter. With any auto insurance company, making a claim and waiting for payment can sometimes be stressful. However, understanding the claim process makes things easier.
In this article, we’ll tell you how long it typically takes for State Farm to process an auto insurance claim, how to file an auto insurance claim, and how the process works.
How Long the Claim Process Takes for State Farm
Most auto insurance claims with State Farm take a few weeks, but the most straightforward claims can take a few days or less. For example, if your vehicle received hail damage during a thunderstorm, you can usually get payment via comprehensive coverage quickly.
No one was at fault, and no other drivers or insurance companies were involved.
When another driver causes an accident, State Farm will pay for your repairs if you have collision coverage. Then, they’ll contact the other driver and their insurance company and attempt to get reimbursement for repair costs and your deductible. This is called subrogation.
You may wonder what happens if fault can’t be determined after a car accident. In that case, State Farm and the other insurance company will negotiate, but this process could take a while.
If State Farm can’t recover your deductible or you have an accident with someone who doesn’t have insurance, you can use uninsured/underinsured motorist coverage to get compensation.
However, if you only have liability coverage, you’ll need to wait for the other driver’s insurance company to make payment. You can consider a lawsuit if the person or company doesn’t cooperate.
Many states have time limits that insurance companies must follow when making decisions on claims. Check the laws in your state to be sure you know your rights when waiting on State Farm to process a claim.
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How the State Farm Claim Process Works
You can make a claim through the State Farm website by calling the number on your insurance card. The State Farm mobile app is available in every state except Rhode Island and Massachusetts. State Farm will ask you about what happened during the accident and any injuries or damage you sustained.
You should also be ready to submit a police report and the other driver’s insurance and contact information. You can use any mechanic for repairs, and in many cases, you can send photos to your insurance adjuster with the State Farm app.
Mechanics of State Farm’s Select Service program include a guaranteed completion date and a limited warranty. In addition, state Farm can pay the shop directly, and the shop can deliver your car to your home if necessary.
Understand How Long a State Farm Claim Might Take
Each auto insurance claim is different, and getting your money could take just a few days or several months. For example, if you have rental coverage, State Farm will pay for a rental car until your vehicle gets repaired.
To finish your claim as soon as possible, communicate with your insurance adjuster often and share all the information you receive.
Learning more about the auto insurance claims process with State Farm can help you compare insurance options, get affordable instant auto insurance quotes, and choose a policy that meets all your needs.
Frequently Asked Questions
What should I do after an accident?
After an injury or vehicle damage, you should:
- Pull over in a safe area and activate your hazard lights.
- Call the police.
- Record the other driver’s insurance information and license plate number.
- Take plenty of photos of where the accident happened, both vehicles and any injuries.
- Visit a mechanic or tow your car to a repair shop if needed.
Your health insurance will pay for most injuries. State Farm may take care of any additional expenses depending on your coverage.
Can I wait to file a claim?
In most states, you can wait up to two or three years to file an auto insurance claim. This is because symptoms of some injuries don’t appear immediately, and waiting could be necessary in some circumstances.
However, speaking to an adjuster before you lose important documents or have trouble recalling events can help you get all the compensation you deserve.
How can I check on my claim?
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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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