Auto Claims – FAQs
Having an auto accident can be stressful, settling your claim doesn’t have to be. Learn more about our process with our auto claim FAQs.
The Auto Claims Process
What’s the process for filing an auto claim?
- Report the details. The quickest way to begin your claim is on idahofarmbureauinsurance.com, on the Farm Bureau mobile app, contacting your agent’s office, or calling our 24-hour claims line at 888-432-4527.
- We’ll assign you an adjuster. You’ll receive a call from your assigned adjuster with what to expect next. It will include details about the following.
- Get an estimate. During the inspection, you can get an estimate at a shop of your choice or one of Farm Bureau’s direct repair providers.
- Estimate reviewed and schedule for repairs. You can schedule repairs right away with one of Farm Bureau’s direct repair providers. If you go with a shop outside of our direct repair network, we will need to review the estimate before approving the repairs.
- Pay your deductible. Once the repair is complete, you’ll pay your deductible directly to the repair shop. We will pay for the remaining covered damages. Return the rental car if you had one and pick up your vehicle.
- We’ll then close the claim. If you have additional claims or injuries, those claims will remain open.
Deductibles
What’s a deductible and how does it work?
The deductible is a specified amount of money that you must pay prior to your policy paying for any covered loss.
Example: If you have a $500 deductible and the covered damage is $2,000, you pay $500 and the insurance company pays the remaining $1,500. If another driver hits you and they’re at fault, their insurance should pay for your repairs. You won’t have to pay your deductible if you file with their company.
If you choose to have Farm Bureau handle your claim, you’ll have to pay the deductible. After an investigation finds you’re not at fault, we’ll attempt to recover the deductible from the other insurance company for you. If both drivers are found to be at fault and your damage is being paid through your policy, you will have to pay your deductible.
What is my deductible?
You can review your policy and find your deductible on your Farm Bureau app under “Insurance” or by locating it on your policy declaration pages. The type of incident will determine how your coverage or deductible applies.
Your Claims Adjuster
Who will handle my claim?
Your claim will be automatically assigned to an adjuster once you open it.
Most of the time, the adjuster will reach out for additional information to complete the investigation of the claim or may process the claim with the information you provided when reporting the incident.
Is someone going to contact me after I report a claim?
An adjuster will contact you if they need more information to process your claim. Sometimes, there is enough information provided to process a claim but if at any time you have questions about your claim and do not have a contact number for your adjuster, please call our Claims Line at 888-432-4527.
How can I contact my adjuster?
Your assigned adjuster will provide you with their name and contact information. If you have not heard from your adjuster, please contact your agent’s office, or call our Claims Line at 888-432-4527.
Resolving Your Claim More Quickly
How long does it take to complete my claim?
Our goal is to pay and close claims as quickly as possible, but all claims are different. The time it takes to resolve a claim depends on a number of factors including the circumstance of the claim as well as the number of vehicles and injuries associated with the incident.
Simple claims will be completed sooner than more complex claims.
To help us resolve your claim more quickly:
- Be aware that the adjuster’s phone number will not be a familiar one so some robokiller or spam blocker apps will send their call directly to voicemail. If you have filed a claim, please be expecting a phone call from a number you do not recognize, and please be sure your voice mail inbox is not full.
- Schedule your repair as soon as possible. The quicker your repair is completed, the quicker the claim will pay out and close.
- Choose electronic funds transfer, or EFT, as a method of payment rather than a check. We’ll be able to deposit any amounts owed to you directly into your bank account.
Do I have to pay my deductible?
Generally, yes. The type of incident will determine how your coverage or deductible applies. You can review your policy and deductible on your Farm Bureau app under “Insurance” or by locating it on your policy declaration pages. You may also contact your adjuster.
General Repairs
Can any shop be used for repairs?
Yes. You have the right to use the shop of your choice to repair your vehicle. Your policy will cover the related and reasonable costs of repairing your vehicle no matter where you go. However, if the repairs suggested by your choice of shop are not all reasonable, or related to the accident in question, we may not be able to pay the full amount you owe the shop. If you need help finding a shop, we can provide access to a network of preferred providers.
With our preferred providers you get:
- Payments made directly to your repair shop. You only pay your deductible, if applicable.
- A trusted partner who is expedient and familiar with handling Farm Bureau claims.
Will new original equipment manufacturer, or OEM, parts be used for my vehicle repairs?
We may include new OEM parts in your estimate for repairs to models up to 36 months or 50,000 miles, whichever comes first.
For older vehicles, your estimate will typically include quality replacement parts from other manufacturers or distributors. If you choose OEM parts, you’ll be responsible for any cost differences. We comply with all applicable state and federal laws when completing your repair estimate.
What should I do if my shop’s estimate is higher?
We’ll work with your shop to address cost differences or unexpected damage and we will evaluate how much, if any, of the higher estimate will be covered based on your policy coverage.
Why are repairs taking so long?
Supply chain and labor shortages are affecting the collision repair industry, so you might have to wait longer for an estimate and to complete repairs.
What can I do if I’m not satisfied with the quality of repairs?
You should let the repair facility know and give them an opportunity to fix it. If they’re unable to resolve the issue, please contact your adjuster.
How long will my inspection take?
You can typically expect to get a completed estimate in 2 to 7 business days, depending on which method of inspection you choose. The collision repair industry is experiencing supply chain and labor shortages, which could extend the time it takes for repair facilities to complete vehicle inspections.
What happens after my vehicle has been inspected?
Once you have a Farm Bureau approved estimate, we’ll update your claim and pay for all covered damages. If you choose to use one of our preferred provider shops, you can schedule a repair with them while getting the inspection and we’ll make payments directly to the service provider. If you choose a different shop the payment will be issued to you and the shop. If you choose not to have the repairs done, the payment will be made to you and we will remove comprehensive and collision coverage for the damaged parts of the vehicle related to the claim. If you have a lienholder on your vehicle and choose not to do the repairs, the payment will be made out to you and the lienholder or others that may have a financial interest in the vehicle.
What happens if additional damage is discovered?
Take your Farm Bureau approved estimate to your shop, and we’ll work directly with them on hidden damages or differences in the amount. Prior to repairs being made, all additional supplemental repairs need to be reviewed and approved by Farm Bureau.
Should I get an estimate for the damage I’m reporting to you?
Yes, obtain an estimate from the repair facility of your choice.
Rental Car
Is my rental car covered while I’m driving it?
In most cases, yes. Your policy offers limited coverage for rental car damage with a few exceptions, including but not limited to vans, trucks or trailers used for business purposes, or vehicles made available for regular use or rented for more than 3 weeks. Please contact your adjuster to discuss your specific situation.
Do I get a rental car if I need one?
Yes, if you have a covered loss and rental reimbursement expense coverage on your auto insurance policy and rent from a car rental agency or garage.
You’re covered for a rental when your vehicle repairs are started or immediately if your vehicle isn’t drivable.
If you don’t have rental coverage with Farm Bureau and you’re not at fault for the accident, you can contact the other driver’s insurance company.
If the other driver has accepted liability, they may provide a rental to you while your vehicle is being repaired.
How can I make sure I have rental coverage?
Contact your agent’s office or review your auto policy for coverage details. If you have rental coverage, it will be listed.
How do I make a rental car reservation?
We work with Enterprise as our preferred rental provider.
You can make a rental reservation for the time your vehicle is being repaired. Before making the reservation, be sure that your vehicle has been inspected using one of the several options we provide, like the Direct Repair Program, and that you have an approved estimate. If your vehicle is undriveable, you may get a rental prior to getting an estimate.
If you have rental coverage, it will begin the day your approved repair starts or your vehicle is deemed undrivable and ends when your vehicle is fixed or the rental reimbursement coverage has reached the policy limit (whichever comes first).
Can I walk into my local Enterprise facility to reserve a vehicle?
How do I extend my rental car reservation if new damage is discovered that requires more repair?
If the vehicle is repaired at a shop you choose, Farm Bureau will have to review and approve the additional work and approve the rental extension. Make sure you’ve provided Enterprise or your car rental dealer with the name of the shop, so they can contact your shop for a status update and extend the rental reservation as needed.
Can an additional driver be added for the rental vehicle?
Yes, but there may be exceptions. Typically, an additional driver who lives in the same household can be added without any extra charge. Discuss the possibility of additional drivers with Enterprise when you pick up your rental vehicle.
Can I request reimbursement if I paid out of pocket for my rental?
Typically, your Farm Bureau policy will provide reimbursement for rental expenses when they’re related to the covered loss while your vehicle is being repaired subject to the applicable limits on your policy. For more details on the reimbursement process, contact the adjuster for your claim.
Am I covered for a higher-class vehicle at Enterprise if they’re the only ones in stock?
Yes. If Enterprise can’t find you a vehicle in your covered class they should provide a vehicle in the next class at no additional cost.
Can I return my Enterprise rental at a different location?
Yes, although not all vehicles rented by Enterprise are included in the one-way program and may be subject to availability.
Do I have to pay if I want to upgrade the rental vehicle for my claim?
Yes. You’ll need to pay the difference in costs between the standard rental vehicle and any voluntary upgrade. For full details, review your policy information and contact your adjuster.
Roadside Assistance
How do I get help with Farm Bureau’s roadside assistance?
For roadside assistance you can:
- Contact a local vendor of your choice for emergency roadside assistance. Submit your receipt to your agent’s office to initiate a refund up to your allowed reimbursement limit listed in your policy forms.
OR
- Contact our service provider directly at 888-458-9764.
What does Farm Bureau roadside assistance cover?
If you’re having car trouble, locked your keys in your car or you’re stuck on the side of the road, we may be able to help. There is a policy limit on the amount we will cover.
Farm Bureau roadside assistance coverage includes:
- Towing from the point of breakdown to the nearest repair shop.
- Jump-starting your battery.
- Changing a tire when you have a functioning spare.
- Unlocking your vehicle if you lock your keys in it.
- Winching your vehicle if it’s stuck on or near a public road.
- Delivering fuel to you. You’ll have to pay out of pocket for the cost of the fuel.
Do I have to stay with my car and wait for roadside assistance?
You’ll need to wait with your vehicle for assistance. If you leave your vehicle, the only service we can provide is towing.
How do I know if I have roadside coverage?
You can contact your agent’s office or review your auto policy through our portal app.
Can I get reimbursed for out-of-pocket expenses?
If you have roadside coverage but already paid for assistance, you can submit your expenses for reimbursement up to the policy limit by submitting your receipt to your agent’s office.
Glass FAQs
What kind of auto glass is covered, and how do I file a repair or replace my windshield?
Windshields, sunroofs and other glass are covered. We also cover side and rear windows. You can initiate your glass claim by contacting Safelite at 888-392-9673 or contacting your agent’s office.
Damage related to headlights, taillights, side markers, fog lights and other glass types aren’t generally covered under an auto glass claim. But these items may be covered under a different part of your auto policy and would require you to file a separate claim.
How soon after my auto glass is damaged do I have to file a claim?
If you wish to file a claim, you should do so as soon as you’re in a safe location. We urge you not to wait an extended period. The sooner we can schedule repairs, the safer it is for you.
Will my premiums increase from an auto glass claim?
Farm Bureau is unable to tell you in advance if filing a claim will increase your insurance premiums. Auto rates are affected by several factors, including the number of claims filed and the cost of each claim.
Premiums can change from renewal to renewal for many reasons, and we’ll inform you about changes to your policy as your renewal date nears.
Will an appraiser need to come and inspect the damage?
Often, an appraiser won’t be required to inspect your glass damage prior to the repairs being completed. But there are times when an inspection is required. If that’s the case for your vehicle, the process will be explained to you and expedited to minimize repair delays.
Does my policy cover Original Equipment Manufacturer (OEM) glass?
Your Farm Bureau auto insurance covers the replacement of glass parts that are of like kind and quality, and OEM glass is fully reimbursed on current-year vehicles and those that are 1 year older than current-year. If you specifically request replacement with OEM glass on vehicles that are over 1 year old, then you’ll only owe the cost difference of the more expensive OEM glass.
If I have advanced safety features, such as lane departure system or automatic breaking, will my windshield replacement require recalibration?
Yes. In most cases when a vehicle has advanced safety features, a windshield installation will require recalibration of the impacted sensors. The repair facility completing your repairs will confirm these requirements with you.
What Is The Status Of My Claim?
How do I check the status of my auto claim?
While simple claims can take only a few days to close, more complex ones can take longer. Please contact your adjuster or your agent’s office for a current status update.
How do I check the status of my estimate?
It can take approximately 5 to 7 business days for us to receive and review the estimate. You’ll be contacted by your adjuster once your estimate has been reviewed.
How do I check the status of my payment?
You can check the status of your payment by contacting your adjuster.
When do I pay my deductible?
You pay your deductible to the shop once your repairs are complete, assuming the damage is covered and costs more than your deductible amount.
How do I extend my rental vehicle?
You’ll be notified about what rental coverage you have when you file your claim. If you need to keep the rental longer, contact Enterprise to request an extension. You’ll be responsible for any charges beyond your policy limits.
How do I send documents or additional information to Farm Bureau?
You can submit documents quickly and easily:
- By emailing your adjuster directly.
- By emailing our Claims group at claims@idfbins.com. Please put your claim number on the subject line of the email.
- By faxing us at 208-233-9388. Include your name and policy number or claim number on the top of all fax pages.
How can I check if my paperwork has been received?
Your adjuster will contact you if they need more information. If the paperwork you’re checking on is for a third-party company we are partnering with, contact that company directly.
How do I check the status of my vehicle repair?
Contact your repair shop directly to inquire about the status of your vehicle’s repairs.
Total Loss
Why is Farm Bureau declaring my vehicle a total loss?
There are several reasons a vehicle may be a total loss:
- Repairs may not be economically practical.
- It may not be possible to restore the vehicle to a safe, pre-accident condition.
- State laws may require us to declare it a total loss.
Can I keep my vehicle if it’s a total loss?
If you decide to keep your vehicle, we will deduct the salvage value of your vehicle from the settlement amount. The salvage value is what we expect to receive for selling your vehicle in its damaged condition.
Depending on your state laws, you may be required to:
- Have your vehicle title changed to indicate that your vehicle was a total loss.
- Go through a state vehicle inspection process. Some states may not allow you to reregister your vehicle.
Check with your local department of motor vehicles before you decide.
Contact the insurance department to see what coverages you’ll still need to carry since your vehicle has been declared a total loss.
How long can I keep my rental vehicle?
If you have rental reimbursement coverage on your automobile policy and are using a rental vehicle due to a total loss, refer to your automobile policy or contact your agent as there is a policy limit on rental coverage.
How does Farm Bureau determine the actual cash value of my vehicle?
Before we finalize the settlement offer for your vehicle, you can review the detailed inspection report. Check to make sure everything is correct and there’s nothing else we should consider.
If additional considerations are needed, notify your adjuster and include any supporting documentation for your request.
Farm Bureau uses a vendor database tool known as CCC One to determine the amount of loss accurately. The CCC One database locates comparable vehicles recently offered for sale in your geographic area and makes adjustments based on the loss vehicle’s mileage, condition and options.
What if I owe more to the lender than what the settlement is?
You should contact your lender to determine if you have what’s called either total loss protection or gap coverage.
If you do, your lender will pay the difference between the actual cash value of your vehicle and the loan balance. If you don’t have this coverage with your loan, you will need to pay the difference between the settlement value and your loan balance.
What should I do if my vehicle is a total loss?
Here are action items that can help you move your claim forward:
- Remove your personal belongings from the vehicle. Don’t forget any documents in your glove box.
- Remove the license plates from your vehicle.
- Give the repair shop or towing service authorization to release your car, so we can move it to a secure storage facility. This can help you avoid paying daily storage fees those companies might charge. Don’t worry, you aren’t surrendering ownership of your car by allowing us to move it for you.
- Find your vehicle title. If your lender has your title, give them authorization to release it to us along with your loan payoff information.
Who gets the settlement payment?
Here’s how we determine who gets the payment:
- If you own the vehicle free and clear of any liens, we’ll pay you directly.
- If you’re making payments to a finance company that’s listed on your policy or title, we’ll pay them first.
- If there’s money left after we pay your finance company, we’ll send it to you.
- If there’s not enough money to cover your loan, you’ll be responsible for paying off the balance.
- If you have gap insurance, it may cover your loan balance. Gap coverage helps free you from having to pay the difference between your outstanding debt and your insurance settlement.
- If you’re leasing your vehicle, we’ll pay the lease company directly.
Notice: These questions and answers are not intended to be exhaustive and are not legally binding. Farm Bureau reserves the right to make amendments to the information contained in this document at any time. If there is any discrepancy between these questions and answers and the terms and conditions of your insurance policy, the insurance policy terms and conditions will be controlling.
