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Dealing with an unexpected event, whether it's a fender bender, a leaky roof, or something more serious, can be stressful. The good news is, if you're insured with American Family Insurance, filing a claim doesn't have to add to that stress. They've made the process as straightforward as possible to help you get back on track quickly. This comprehensive guide will walk you through every step of filing a claim with American Family Insurance, ensuring you're prepared and confident.
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| How To File A Claim With American Family Insurance |
Step 1: Secure Your Safety and Document the Scene (The Immediate Aftermath)
The very first thing, always and without exception, is to ensure your safety and the safety of those around you. This is paramount. Once everyone is safe, you can focus on documenting what happened.
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For Auto Accidents:
- Check for Injuries: First, assess if anyone is injured. If so, immediately call 911 (or your local emergency number). Your health and the health of others take precedence over everything else.
- Move to Safety (if possible): If your vehicle is drivable and it's safe to do so, move it to the side of the road or a safer location to prevent further accidents. If not, turn on your hazard lights.
- Call the Police: Even for minor accidents, it's generally a good idea to call the police. A police report can be incredibly helpful for your claim, providing an objective account of the incident.
- Gather Information:
- Other Driver's Information: Get their name, contact information, insurance company and policy number, driver's license number, and vehicle license plate number.
- Witness Information: If there are any witnesses, ask for their names and contact information. Their testimony can be crucial.
- Scene Details: Note the date, time, and exact location of the accident.
- Take Photos and Videos:
- Capture the Damage: Take clear photos and videos of the damage to all vehicles involved from various angles. Don't forget to get close-ups of specific damage points.
- Document the Scene: Photograph the surrounding area, including road conditions, traffic signs, skid marks, and anything else relevant to the accident.
- Personal Injuries (if any): If you or a passenger sustained visible injuries, document them with photos.
- Do NOT Admit Fault: It's human nature to apologize, but avoid admitting fault at the scene. Let the insurance companies determine liability.
For Home & Property Damage:
- Ensure Safety: If there's a fire, gas leak, or structural damage, evacuate everyone and call emergency services immediately.
- Prevent Further Damage: Take reasonable steps to prevent additional damage. For example, if your roof is leaking, cover the damaged area with a tarp. If a pipe bursts, shut off the water. Keep receipts for any temporary repairs you make.
- Document the Damage:
- Take Extensive Photos/Videos: Capture the full scope of the damage. Take wide shots to show the overall area and close-ups of specific damaged items or structural issues.
- Inventory Lost Items: Start a detailed list of all damaged or lost items. Include descriptions, approximate age, and estimated value if possible. Don't throw anything away until your adjuster has seen it or instructed you to do so.
- Obtain Reports (if applicable): If the damage is due to theft, vandalism, or fire, file a police or fire department report and get a copy for your records.
Step 2: Initiate Your Claim with American Family Insurance
Once you've ensured safety and gathered initial documentation, it's time to report your claim to American Family Insurance. They offer several convenient ways to do this.
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Method 1: Online (My Account) - The Fastest Way
- Log In to My Account: Visit the American Family Insurance website (amfam.com) and log in to your "My Account." If you don't have an account, you can usually register with your policy number.
- Navigate to Claims: Look for a "Claims" or "Report a Claim" section.
- Follow the Prompts: The online system will guide you through the process, asking for key information about the incident, such as:
- Date and time of the event.
- A brief description of what happened.
- Any photos or videos of the damage (you'll be able to upload these).
- Contact information for any other parties involved (for auto claims).
- Police or fire department report numbers (if applicable).
- Submit Your Claim: Review all the information carefully before submitting. You'll likely receive a confirmation and a claim number immediately.
Method 2: Via the MyAmFam App - On-the-Go Convenience
- Download the App: If you haven't already, download the "MyAmFam App" from the Apple App Store or Google Play Store.
- Log In: Use your "My Account" credentials to log in.
- File a Claim: The app has a dedicated "File a Claim" section. This method offers all the functionalities of the online portal, allowing you to:
- Input incident details.
- Upload photos directly from your phone.
- Track your claim's status.
- Communicate with your claims team.
- Submit and Confirm: Similar to the online method, you'll receive a confirmation and claim number.
Method 3: Call Your Agent
- Direct Contact: If you prefer a more personal touch, or if your situation is complex, you can always contact your American Family Insurance agent directly. They are there to help guide you through the process and answer your questions.
- Information Ready: Have your policy number and the details of the incident ready when you call.
Method 4: Call the American Family Insurance Claims Center
- 24/7 Availability: American Family Insurance's claims center is available 24 hours a day, 7 days a week.
- Toll-Free Number: Call 1-800-MYAMFAM (1-800-692-6326).
- Provide Information: A claims representative will assist you in reporting the claim, asking for all the necessary details.
Step 3: What Happens After You File – The Review Process
Once your claim is filed, American Family Insurance will begin their review process. Patience is key here, as the time it takes can vary depending on the complexity of your claim.
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Sub-heading: Assignment of a Claims Adjuster
- Your Dedicated Contact: Within approximately 1-2 business days (often sooner for auto claims), a claims adjuster will be assigned to your
case. This individual will be your primary point of contact throughout the process. - Initial Contact: Your adjuster will reach out to you to discuss the details of your claim, verify your coverage, explain your deductible, and outline the next steps. They may also ask for a recorded statement.
Sub-heading: Inspection and Assessment of Damages
- For Auto Claims:
- Vehicle Inspection: Your claims adjuster will arrange for an inspection of your vehicle. This can often be done at a repair shop of your choice. American Family also has a "Dreams Restored Program" which is a network of trusted repair shops that offer guaranteed repairs.
- Estimates: The repair shop will provide an estimate for the damage.
- For Home Claims:
- Property Inspection: For significant home or property damage, the adjuster may schedule an appointment to inspect and photograph the loss themselves, or they may assign a field appraiser with special expertise.
- Inventory Review: For lost contents, your adjuster will explain how to submit an inventory of lost items, often through an online link.
- Additional Documentation: Be prepared to provide any additional documentation requested by your adjuster, such as police reports, fire department reports, or medical bills. Keep copies of everything you submit.
Step 4: Understanding Your Coverage and Settlement
This is where your policy comes into play. Your claims adjuster will explain how your coverage applies to your specific loss.
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