How to File an Accident Claim With American Family Insurance
Posted in Lawsuit on October 10, 2016
American Family Insurance is a popular choice for Kansas and Missouri vehicle owners. If you have a policy with American Family Insurance, it’s wise to know how to file an accident claim before one occurs. Preparing yourself for the possibility of a car accident ahead of time will give you peace of mind and confidence if you ever have to use the information.
Call 1-800-MY AM FAM
You need to notify your insurance company as soon as possible after an auto accident. American Family Insurance put together a simple, four-step checklist to keep the claims process smooth and moving through the system:
- Call the 24/7 customer care center and report your claim.
- Wait for a representative to contact you regarding the accident.
- Your representative will review and accurately evaluate your claim.
- American Family Insurance will assess and complete your claim.
American Family Insurance makes remembering the claims phone number easy: 1-800-MY AM FAM (1-800-692-6326). This phone number will be on your car insurance card as well, but you may want to add it to your phone contacts just in case. Having this phone number makes calling the company easy and convenient. If you want to contact a local American Family agent to file a claim instead, find one in your area.
You also have the option of filing a claim online through the American Family Insurance online claims portal. Submitting a claim online is a fast and easy way to let the company know about your accident without having to speak to anyone over the phone. To file a claim online, you need your policy number, personal contact information, and accident information. Fill in the online forms in as much detail as possible. Submit the form and an American Family agent will get back to you about your accident.
Gather Information After an Accident
After a car accident, it can be difficult to remember what to do and who to call. Knowing what information you typically need after an accident will help you gather the correct facts directly after a crash, while the details are still fresh in your mind. When you submit a claim, you need to have the following information readily available:
- Your name, phone number, and address
- Your policy number
- Date and time of the accident
- Location of the accident
- Description of how the accident occurred
- Description of other vehicles involved
- Description of injuries and damages
- Contact and insurance information of others involved
After you’ve submitted this information, the American Family agent will tell you what to do next. Typically, you’ll need to bring your vehicle to a local designated auto shop for a repair estimate through the Certified Repair Program. In some cases, an insurance specialist may also need to inspect your vehicle. American Family Insurance will work directly with the designated shop of your choice to understand the extent of your vehicle’s damages. Then, they’ll conclude that the vehicle is either irreparable or will come up with a repair plan. A “total loss” is when the cost to repair your vehicle is more than the value of the vehicle.
In Kansas and Missouri, American Family Insurance handles the settlement process by providing an estimate of the cost of your repair. You may have to pay a deductible, depending on your policy. Your claims specialist will answer any questions you have about your repair or non-repair process and explain how a deductible may affect your settlement. Depending on the circumstances of your crash and policy, American Family will then pay to have a professional repair your vehicle. The company typically issues a check for repairs within 24 hours.