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| Claims Related Questions | |
| Q: | What should I do if I have an accident? |
| A: | 1. Assist with any injuries immediately. Notify police. If you are able, move your vehicle to the side of the road to avoid further injury or loss. 2. Gather information: the other party's insurance company and policy number, the year, make, model, and license plate of the other vehicle; names, addresses, and telephone numbers of all drivers, passengers, and witnesses; which, if any, police department files a report. If the car is towed, find out where the car will be held. 3. Call your Agent as soon as possible. Timely reporting helps keep rates low. Please see our Insurance Services page and scroll down to use the County Locator. You can use our After Hours Claims Reporting Hotline by calling toll free, 1-866-8GA-FARM (1-866-842-3276). This service is available from 4:30pm to 8:00am, Monday through Friday and twenty-four hours on weekends and holidays, and any other time your County office is closed. 4. If you have a camera, photograph the accident scene and the cars and people involved. Pictures make it easier for you to describe and remember what happened and who was involved. |
| Q: | What should I do if I have a loss to my home? |
| A: | 1. Survey your damage to determine the extent of the loss. 2. Take actions to protect your property from further loss (such as covering your house with a tarp to keep out the elements). 3. Notify your agent of the loss as soon as possible. Please see our Insurance Services page and scroll down to use the County Locator. Or use our After Hours Claims Reporting Hotline by calling toll free, 1-866-8GA-FARM (1-866-842-3276). This service is available from 4:30pm to 8:00am, Monday through Friday and twenty-four hours on weekends and holidays, and any other time your County office is closed. 4. Call your contractor promptly and request an itemized detailed estimate of the damages. 5. Make plans to meet with your claims representative for inspection of your property. 6. Make a list of any questions you may have about your loss. Write them down so you will be sure to ask all questions about any concerns. Here are some possible questions: 1. What is the amount of my deductible? 2. Does my policy have replacement cost coverage? 3. Is my policy an actual cash value policy? 4. How will my check be made payable? 5. Will my mortgagee or lien holder be included in payment? It's a GREAT idea to be prepared BEFORE a loss occurs. One way to do that is by completing a HOME INVENTORY. Members may complete our Home Inventory Form by logging in to our Member Services website. |
| Q: | How do I report a loss? |
| A: | Please notify your Agent as soon as possible. Please see our Insurance Services page and scroll down to use the County Locator. To report a claim when your local Farm Bureau office is closed, please use our After Hours Claims Reporting Hotline by calling toll free, 1-866-8GA-FARM (1-866-842-3276). This service is available from 4:30pm to 8:00am, Monday through Friday and twenty-four hours on weekends and holidays, and any other time your County office is closed. |
| Q: | What is a deductible? |
| A. | A deductible is the dollar amount that you are responsible to pay if you file a claim covered under your policy. |
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