How to File an Auto Claim with Farmers Insurance

If you need to file an auto insurance claim with Farmers, it’s important to know the claims process and have the right contact information. Here’s a guide to reporting and managing a car insurance claim with Farmers Insurance.

Overview of Farmers Auto Claims

Farmers Insurance handles auto claims for collisions, vandalism, natural disasters, and more through their network of claim representatives. To start the claims process:

• Call Farmers claims phone number: 1-800-435-7764

• File a claim online via Farmers website or mobile app

• Contact your Farmers agent directly to report the incident

Farmers has claims centers across the U.S. for local support. The company also offers 24/7 access for emergency claims.

Once reported, a Farmers claim rep will walk you through next steps based on the type of damage and coverage you have. The sooner you file after an accident or incident, the quicker Farmers can resolve your claim.

Farmers Auto Claims Phone Numbers

The main Farmers Insurance claims number is 1-800-435-7764. This toll-free hotline connects you to a Farmers representative who can take your claim report.

Farmers also provides contact numbers for specific types of claims:

• Auto claims – 800-435-7764

• Home claims – 800-435-7764

• Life claims – 800-435-7764

• Business claims – 877-357-3212

• Farm & ranch claims – 877-900-8267

These numbers route to the same claims center but help identify the reason for your call. You can report any type of claim using the primary 800-435-7764 number.

For help in Spanish, Farmers has a line for Español claims assistance:

• Spanish claims – 877-RECLAMO (877-732-5266)

Reporting a Claim by Phone

Calling Farmers at 800-435-7764 is the quickest way to get your auto claim started. Here are some tips for reporting a claim by phone:

• Have your policy number – Finding your policy makes the process faster.

• Know the claim type – Collision, comprehensive, theft, etc.

• Describe damage/losses – Explain what happened and what’s damaged.

• Provide location info – Where the incident occurred and vehicle location now.

• List involved parties – Names and contact info for others involved.

• Send photos/videos – Email visual damage evidence to the claims rep.

The Farmers rep will let you know what documents, photos, or other info they need. They’ll also outline next steps based on your coverage.

Reporting Claims Online

Instead of calling, you can start the claims process online through:

• Farmers Insurance website – Log into your account at Farmers.com and click “File a Claim”.

• Farmers mobile app – Download the app and select “File Claim” from the menu.

Whether you submit the claim form online or through the app, you’ll need to provide details like:

• Contact info
• Loss date, time, and location
• Description of damage/losses
• Other parties involved

Attach clear photos showing the damage if possible.

After submitting the form, a Farmers claims agent will follow up on your report and investigate the loss.

Reporting Claims to Your Agent

Your local Farmers agent can also assist with starting a new claim. They have direct access to the claims department and know your policy details.

To file through your agent, lookup their office number on your policy documents or Farmers website. Let them know you need to report an auto claim and provide information such as:

• Policy number
• Date, time, and location of incident
• Type of damage or losses
• Details of what happened

The agent will contact Farmers claims on your behalf to get the process going. They can also answer questions about what your policy covers.

What to Do After an Accident

It’s critical to act quickly and take the right steps after an auto accident to make sure you get fully compensated. Here’s a checklist of what to do following a crash:

✓ Call the police – File an official report for insurance claims and liability.

✓ Seek medical help – Get treatment for any injuries right away.

✓ Exchange info – Get the other driver’s name, insurance details, contact info, license plate.

✓ Document the scene – Take photos of damage, skid marks, location, etc.

✓ Report to Farmers – Call 800-435-7764 or your agent to report the loss.

✓ Determine fault – Discuss liability with the claims agent to establish who’s at fault.

✓ Get a rental – Ask about coverage for a rental car while yours is repaired.

Promptly reporting damages and losses gives Farmers the information needed to quickly process your claim.

Farmers Auto Insurance Claims Process

Once you’ve reported the accident, here’s an overview of what happens next in the Farmers auto claims process:

1. Initial contact – A Farmers claim rep reaches out to review the loss details and coverage.

2. Investigation – May involve an inspection, getting police reports, determining liability, etc.

3. Estimate vehicle damages – An appraiser will assess repair costs.

4. Settlement offer – Farmers presents a settlement amount based on the damages/losses.

5. Agree on settlement – You can accept their offer or provide evidence supporting a higher amount.

6. Receive payment – Farmers issues payment after you accept the settlement.

7. Vehicle repairs – Farmers pays the auto shop directly or reimburses you for deductible costs.

The claims agent will keep you updated throughout the process and answer any questions.

Getting a Rental Car with Farmers Insurance

If your vehicle is undriveable after an accident, ask Farmers about coverage for a rental car. There are two options if your policy includes rental reimbursement:

Direct billing – Farmers pays the rental car company directly up to your coverage limits.

Reimbursement – You pay for the rental upfront and Farmers reimburses you. Keep receipts for documentation.

Without rental coverage, you’ll pay rental costs out-of-pocket. However, the at-fault driver’s liability insurance should cover your rental if the accident was their fault.

Also ask about a rental car if your vehicle is in the shop for covered repairs. Farmers often provides “loss of use” rental coverage while your car is fixed after a claim.

Checking the Status of Your Farmers Claim

You can check the status of an existing auto claim with Farmers by:

• Calling your claims representative – The fastest way to get claim updates.

• Logging into your online account – Select “View Claims” to see basic status info.

• Using the mobile app – Check current claim details.

• Emailing your claims agent – Good for quick questions.

• Calling the claims number – 800-435-7764 can transfer you to your rep.

Your assigned claims representative should provide frequent updates as your claim is processed. But feel free to reach out to them if you have questions on the status.

Appealing a Farmers Claim Decision

If Farmers denies your claim or you disagree with their settlement offer, you can appeal the decision:

Talk to your agent – Discuss the reasons for the claims decision and options for re-evaluation.

Request an appeal – Formally dispute the claims judgment and provide additional documentation.

File a state complaint – Each state has a process for disputing insurance company claim decisions.

Go to small claims court – For smaller claims, taking Farmers to court may make sense.

Hire a lawyer – For large claims or complex disputes, consider getting legal guidance.

Thoroughly read the denial letter or settlement agreement, as it should outline the next steps you can take if dissatisfied.

Closing Thoughts on Farmers Auto Claims

Filing an auto insurance claim with Farmers should be straightforward as long as you act quickly after an accident and provide