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Claims FAQ

Q. What should I do if I have an accident or loss?
Q. What happens after I report my claim?
Q. I need to rent a vehicle while my car is being repaired. Do I need to purchase the additional insurance coverage from the rental car company?
Q. I believe my vehicle is not repairable. How does Indiana Farmers determine the value of my vehicle?
Q. What if additional damages are found during the repair/restoration process?
Q. What if my contractor's estimate is higher than my insurance estimate?
Q. What is a Deductible?
Q. What is Depreciation and Actual Cash Value?
Q. What is Replacement Cost?
Q. Why is my mortgage company named on the claim payment?

Payment FAQ

Q. When will I receive my bill?
Q. How do I change my bill method?
Q. How can I pay automatically?
Q. I would like to make my payment via my checking account. Is that an option?
Q. Are you able to combine my homeowner and auto policy together into one bill?
Q. Why did I receive a Final Notice of Cancellation/Expiration? I have paid all invoices received.
Q. Can I split my payment between two different credit cards?
Q. Where can I find my online payment number?

General FAQ

Q. Where can I access a copy of my ID card?

Claims FAQ

Q: What should I do if I have an accident or loss?
A:
  • Immediately report accidents to the proper authorities. 
  • Call for medical attention, if necessary. For serious damages that result in you leaving your home or business, please contact the proper authorities immediately.
  • Obey laws and cooperate with the police, but do not discuss the accident/loss with anyone else.
  • Write down information from the people involved the accident/loss (names, addresses, license numbers, contact information, witness names, contact information, and other party's insurance information. Please note: in some areas police officers may restrict contact between the parties.) 
  • Contact utility companies where gas or power services are affected.
Q: What happens after I report my claim?
A: Your loss will be assigned to a claim representative who will contact you to explain the claim process, discuss the facts and answer your questions.
Q: I need to rent a vehicle while my car is being repaired. Do I need to purchase the additional insurance coverage from the rental car company?
A: Your insurance policy will provide the broadest coverage available for a rental vehicle you are driving as a result of your personal vehicle being out of service. If you do not have collision or comprehensive coverage on any vehicle on your policy, then your policy will not provide that coverage for the rental vehicle. Please be aware there are damages that may occur to the rental vehicle which might not be covered under your policy, such as loss of value, loss of ability to rent the vehicle, and administrative costs that might be charged by the rental company. Depending on your own personal financial situation, you may wish to purchase the damage waiver offered by the rental company to avoid or limit these expenses. The additional cost of the damage waiver coverage from the rental agency is typically not reimbursed through your automobile insurance policy. Be sure to ask your claim representative about coverage available to you under your policy.
Q: I believe my vehicle is not repairable. How does Indiana Farmers determine the value of my vehicle?
A: We utilize several different sources of vehicle data, including automobile appraisers, Internet sources and vehicle value databases to determine the fair market value of your vehicle prior to the loss.
Q: What if additional damages are found during the repair/restoration process?
A: If additional damages are discovered, please contact your claim rep as soon as possible before the additional work begins.
Q: What if my contractor's estimate is higher than my insurance estimate?
A: If there's a difference between Indiana Farmers' estimate and your contractor's estimate, please contact your claim rep. The claim rep will work to reach an agreed price with your contractor based on the damage to your property.
Q: What is a Deductible?
A: In an insurance policy, the deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses. In most circumstances we subtract the deductible from your initial settlement payment and then you pay your deductible to the contractor.
Q: What is Depreciation and Actual Cash Value?
A: Depreciation is the value an item loses over time based on its age and/or condition. Actual cash value is the cost of replacing or repairing damaged property less depreciation.
Q: What is Replacement Cost?
A: This is the cost to repair or replace the damaged property with new materials of like kind and quality.
 
If you have replacement cost and suffer a loss, the initial payment you receive may be for actual cash value. You may be able to recoup the depreciation if you make your claim within 180 days of the date of loss and send documentation that repairs have been completed or it has been replaced.
 
To document that repairs or replacement have been completed, please send your claim representative your certificate of completion or final repair bill or purchase receipts.
Q: Why is my mortgage company named on the claim payment?
A: If you have a mortgage or loan on your property, the mortgage company or lender is legally required to be listed on your insurance policy, and because of this the lender may be named on your settlement payment. If the mortgage company or lender named on your payment is incorrect, please contact your claim representative. To obtain the mortgage company's endorsement, please contact the mortgage company directly.

Payment FAQ

Q: When will I receive my bill?
A: Your bill is sent 21 days in advance of the effective date or your billing due date.
Q: How do I change my bill method?
A: Please contact your agent to change your billing method and to learn about all of our pay plans.
Q: How can I pay automatically?
A: There are two options to pay automatically: recurring credit card and EFT. To sign up for recurring credit card, either contact your agent or log into your account and select the policies that you would like to pay for with a credit card. To sign up for EFT please contact your agent to get the forms that need to be signed for this pay plan.
Q: I would like to make my payment via my checking account. Is that an option?
A: Yes. When you login to make your payment choose the echeck option and this will be one-time payment from your checking account.
Q: Are you able to combine my homeowner and auto policy together into one bill?
A: Not at this time, but this is a planned future enhancement.
Q: Why did I receive a Final Notice of Cancellation/Expiration? I have paid all invoices received.
A: You may have only paid the invoice from one of your policy terms. If you feel there has been an error, please contact us at 800.477.1660.
Q: Can I split my payment between two different credit cards?
A: Yes. Please call Customer Service at 800.477.1660 from 7:30 a.m. to 5:30 p.m. Monday through Friday.
Q: Where can I find my online payment number?
A: Your online payment number can be found on your invoice. If your invoice is not available please call Customer Service at 800.477.1660 from 7:30 a.m. to 5:30 p.m. Monday through Friday. A representative can supply you with your online payment number or take your payment over the phone.

General FAQ

Q: Where can I access a copy of my ID card?
A: You can access your ID card through your online account. If you haven't registered for an account before, you'll need your policy number in order to complete the registration.

Claims FAQ

Q.   What should I do if I have an accident or loss?
  • Immediately report accidents to the proper authorities. 
  • Call for medical attention, if necessary. For serious damages that result in you leaving your home or business, please contact the proper authorities immediately.
  • Obey laws and cooperate with the police, but do not discuss the accident/loss with anyone else.
  • Write down information from the people involved the accident/loss (names, addresses, license numbers, contact information, witness names, contact information, and other party's insurance information. Please note: in some areas police officers may restrict contact between the parties.) 
  • Contact utility companies where gas or power services are affected.

Q.   What happens after I report my claim?
Your loss will be assigned to a claim representative who will contact you to explain the claim process, discuss the facts and answer your questions.

Q.   I need to rent a vehicle while my car is being repaired. Do I need to purchase the additional insurance coverage from the rental car company?
Your insurance policy will provide the broadest coverage available for a rental vehicle you are driving as a result of your personal vehicle being out of service. If you do not have collision or comprehensive coverage on any vehicle on your policy, then your policy will not provide that coverage for the rental vehicle. Please be aware there are damages that may occur to the rental vehicle which might not be covered under your policy, such as loss of value, loss of ability to rent the vehicle, and administrative costs that might be charged by the rental company. Depending on your own personal financial situation, you may wish to purchase the damage waiver offered by the rental company to avoid or limit these expenses. The additional cost of the damage waiver coverage from the rental agency is typically not reimbursed through your automobile insurance policy. Be sure to ask your claim representative about coverage available to you under your policy.

Q.   I believe my vehicle is not repairable. How does Indiana Farmers determine the value of my vehicle?
We utilize several different sources of vehicle data, including automobile appraisers, Internet sources and vehicle value databases to determine the fair market value of your vehicle prior to the loss.

Q.   What if additional damages are found during the repair/restoration process?
If additional damages are discovered, please contact your claim rep as soon as possible before the additional work begins.

Q.   What if my contractor's estimate is higher than my insurance estimate?
If there's a difference between Indiana Farmers' estimate and your contractor's estimate, please contact your claim rep. The claim rep will work to reach an agreed price with your contractor based on the damage to your property.

Q.   What is a Deductible?
In an insurance policy, the deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses. In most circumstances we subtract the deductible from your initial settlement payment and then you pay your deductible to the contractor.

Q.   What is Depreciation and Actual Cash Value?
Depreciation is the value an item loses over time based on its age and/or condition. Actual cash value is the cost of replacing or repairing damaged property less depreciation.

Q.   What is Replacement Cost?
This is the cost to repair or replace the damaged property with new materials of like kind and quality.
 
If you have replacement cost and suffer a loss, the initial payment you receive may be for actual cash value. You may be able to recoup the depreciation if you make your claim within 180 days of the date of loss and send documentation that repairs have been completed or it has been replaced.
 
To document that repairs or replacement have been completed, please send your claim representative your certificate of completion or final repair bill or purchase receipts.

Q.   Why is my mortgage company named on the claim payment?
If you have a mortgage or loan on your property, the mortgage company or lender is legally required to be listed on your insurance policy, and because of this the lender may be named on your settlement payment. If the mortgage company or lender named on your payment is incorrect, please contact your claim representative. To obtain the mortgage company's endorsement, please contact the mortgage company directly.

Payment FAQ

Q.   When will I receive my bill?
Your bill is sent 21 days in advance of the effective date or your billing due date.

Q.   How do I change my bill method?
Please contact your agent to change your billing method and to learn about all of our pay plans.

Q.   How can I pay automatically?
There are two options to pay automatically: recurring credit card and EFT. To sign up for recurring credit card, either contact your agent or log into your account and select the policies that you would like to pay for with a credit card. To sign up for EFT please contact your agent to get the forms that need to be signed for this pay plan.

Q.   I would like to make my payment via my checking account. Is that an option?
Yes. When you login to make your payment choose the echeck option and this will be one-time payment from your checking account.

Q.   Are you able to combine my homeowner and auto policy together into one bill?
Not at this time, but this is a planned future enhancement.

Q.   Why did I receive a Final Notice of Cancellation/Expiration? I have paid all invoices received.
You may have only paid the invoice from one of your policy terms. If you feel there has been an error, please contact us at 800.477.1660.

Q.   Can I split my payment between two different credit cards?
Yes. Please call Customer Service at 800.477.1660 from 7:30 a.m. to 5:30 p.m. Monday through Friday.

Q.   Where can I find my online payment number?
Your online payment number can be found on your invoice. If your invoice is not available please call Customer Service at 800.477.1660 from 7:30 a.m. to 5:30 p.m. Monday through Friday. A representative can supply you with your online payment number or take your payment over the phone.

General FAQ

Q.   Where can I access a copy of my ID card?
You can access your ID card through your online account. If you haven't registered for an account before, you'll need your policy number in order to complete the registration.

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