How long does it typically take for Farmers to process a car insurance claim?

Getting your claim processed and completed is an important part of recovering from an accident. If you’re watching your finances, you may wonder how long it takes for Farmers to process a car insurance claim. These details can help you learn more about how car insurance coverage works.

How Long It Typically Takes for Farmers to Process a Car Insurance Claim

Learning how long the claims process takes is an important part of learning how to file a car insurance claim.

When you first make a claim after a car accident, your insurance policy starts working on examining evidence and determining fault, as well as an estimate of the cost for repairs (or the value that needs to be paid out if the car is totaled).

Policyholders can help by providing as much information as possible to Farmers, including photos of the accident and the insurance information of other people involved. However, it’s still common to wonder — just how long will the claims process take?

If you’re waiting for a claims settlement check so you can pay off a repair shop, cover medical expenses, or similar actions, your wait time can vary.

A simple accident involving no one else may lead to a quick claim process in only a few business days. Other claims may last a couple of weeks if the accident is more complex and involves someone else.

If you had injuries and related medical costs associated with the accident (or another party did), processing the claim usually takes much longer.

Important Factors at Work When Farmers Processes a Car Insurance Claim

One of the most important factors in the length of a Farmers claim is whether the claim enters arbitration and how arbitration goes. Arbitration occurs when two insurance companies disagree with each other’s findings or one company wants to claim payments from the other based on which party was at fault in the accident.

Farmers, one of the best car insurance companies that sell online, reports that arbitration is common but also adds significant time to the claims process.

According to Farmers Insurance, arbitration can take a few months or longer to reach a decision, and you must finish that process before your claim is fully processed.

Additionally, if you have related medical expenses, Farmers may need to wait for paperwork or reports from your physician and the hospital you visited, which can add weeks to the claims process.

Speeding Up the Time It Typically Takes for Farmers to Process a Car Insurance Claim

There are several things you can do to speed up the process and understand your car insurance requirements:

• Submit your claim (online or via app) and the related evidence as soon as possible. If you need to call the police, wait for the police report and ask for a copy to submit.
• Submit all medical reports and bills related to the accident as soon as you receive them. If you are using an out-of-network repair shop, submit their estimate.
• Watch for updates from Farmers, requests for more information, and notices about whether the claim is entering arbitration.
• Pay your deductible ASAP.

You can sign into your online Farmer’s account to complete most of these tasks and find important updates.

Final Thoughts on How It Typically Takes for Farmers to Process a Car Insurance Claim

While claim processing varies and can take lots of extra time during arbitration, the simpler the accident, the faster it will go. If no other parties are involved, claims processing can happen very quickly.

However, claims may take months to complete if liability is difficult to determine. Contact Farmers Insurance if you want any updates on the process, and learn more about how much car insurance you need.