How to File an Auto Claim with Florida Farm Bureau Insurance

Florida Farm Bureau Auto insurance provides policy holders with a wide range of coverage options with varying premium rates. It’s important for drivers to understand their auto insurance policy and their liability in the event of an auto accident in Florida. It’s also vital to know how to file a claim if you find yourself in a car accident.

Coverage Options

Most auto insurance policies have specific requirements for covering claims against a policy. Remember, insurance companies lose money when they pay out on claims, so they typically look for any issues that could disqualify policy holders from obtaining the full amount a policy covers. When you sign up for automobile insurance through Florida Farm Bureau or any other insurer, your driving record, criminal record (if any), and various other factors all determine your eligibility and how much your premium will be.

Drivers with clean driving records who own safe vehicles typically pay far less for insurance coverage than drivers with accident histories or those who drive inherently unsafe vehicles like motorcycles and high-end sports cars. When shopping for a policy, you must consider your driving habits and what coverage you need, to find the right policy. A driver who only drives a few miles per week in a small town is very likely to have a substantially different rate than a driver who regularly commutes a couple of hundred miles each week.

Ideally, an auto insurance policy should offer body damage coverage, theft and vandalism protection, and coverage of any expenses you may incur after an accident, such as the cost of a rental car while your own vehicle is unavailable. Depending on your lifestyle, you may also want to include uninsured driver coverage and pet injury coverage if your furry friends regularly travel with you.

Filing a Claim

After an accident, filing a claim with your insurance company should be one of the first things you do. However, it’s important to be careful and do a few critical things immediately after the crash. Once your car comes to a halt, assess your own injuries. If anything seems serious, call 911 and wait for emergency personnel. It’s important to note that most states legally require drivers to call 911 after an accident if anyone suffered an injury or if there is any property damage.

If you are able to leave your vehicle, assess the other drivers involved and see if they are hurt. Once you know everyone is okay, use your smartphone to take pictures of the accident scene before moving your vehicle out of the flow of traffic. Pictures of the damage to your car, the vehicles’ positions on the road, the appearance of skid marks, and any other signs of damage in the area could all be crucial pieces of evidence. Once you have the pictures you need, move your car out of the road if possible and wait for the police to arrive.

Watch What You Say

It’s imperative that you be cautious about your choice of words when speaking with the other drivers and the police. Even seemingly innocuous statements like “I’m so sorry,” or “I didn’t see him,” could be admissions of guilt in the eyes of a judge. Even if you know you were at fault or partially at fault for an accident, do not admit to anything. After addressing your medical issues and dealing with the police, your next step should be to contact your insurance company and file a claim. You may also want to contact a lawyer. Even if you are not facing a lawsuit, a lawyer can help you deal with your insurance company and help ensure you get an appropriate amount for your accident.

Keep records of all of your expenses related to the accident. Additionally, obtain a copy of the police report for the accident and a medical report from your doctor detailing the extent of any injuries you may have suffered. When you work with the insurance adjuster, answer all questions honestly and concisely. Most insurance adjusters will use your own words against you to lower your claim payout, so an attorney can be a helpful asset in guiding you regarding what you should and should not say. If you encounter any bad faith dealings in your correspondence with the insurer, an attorney will be able to help you fight this as well and obtain the compensation rightfully owed to you.