If you're a member of State Farm auto insurance and you get into an accident of any kind, you'll need to follow up by filing a State Farm Insurance claim right away. This State Farm accident claim notifies the insurance company of any damages to your vehicle and also of the incident itself for their records. Following the filing of your claim, State Farm auto damage repair services will examine your vehicle and make an estimate of the cost of repairing the damages. According to your insurance policy details and to your deductible, State Farm will then work with you to compensate you for those damages in turn. If you fail to file an accident claim with State Farm auto insurance, or if you file the claim to late, you may face legal and criminal penalties as well as the prospect of receiving no compensation for the cost of repairing any damages that you incurred during the accident as well.
Step 1 -- Take Down the Proper Information at the Scene
Before you deal with an insurance claim at all, you need to make sure that everyone at the accident is safe and, if injured, that they get proper medical attention right away. Once you've taken care of that and reconvened in a safe place with the other drivers, get everyone's name and contact information. You'll also need to know the make, model, year and license plate for each of the other cars involved in the accident, as well as the damage that occurred to each car and where on the vehicle it happened. Finally, note any other passengers in each vehicle, whether anyone was hurt and, most importantly, the insurance companies and insurance policy numbers of each other driver. If you have any problems, contact the authorities immediately.
Step 2 -- File a Claim Online, over the Phone or In Person
There are three main ways to file a State Farm insurance claim. The first and easiest is online; simply log on to the State Farm website and follow instructions listed there for reporting an accident. You can also call the State Farm insurance claim hotline which is available on their website as well. Finally, visit a State Farm insurance agent near you to file a claim in person. Any of these methods will work.
After you've filed your insurance claim, a claims adjustor will review the case and will later call you to confirm some of the details of the incident and also to get a testimony from you for legal purposes. If you have any questions, consult with the adjustor.
Next, you'll need to have your vehicle examined and the damage assessed by a company that is recommended by State Farm. This will help the insurance company to determine how much money will be returned to you under your insurance plan. If you have any disputes or questions at this point, take them up with the adjustor.