File or track a Farmers^® Insurance claim

If you are not sure if you should file a claim, you can always consult your Farmers Agent for advice.  When you file a claim on your own policy, you are responsible for your deductible even if you are not at fault.  If you are not at fault, we attempt to get reimbursement from the at fault party's insurance company, and then reimburse your deductible to you.

Once you file a claim, a Farmers Claim Representative will contact you and review your policy coverages and explain how they apply to your specific claim.

Many variables are factored into your policy's premium, and your premium could be affected. Things like your driving record, at-fault accidents, home claims history and where you live may be taken into consideration. Talk to your Farmers agent if you have questions about your premium. 

Having a police report may be helpful and can simplify the claims process, but you can still file a claim without a police report. For example, some states don't send police to minor accidents with no injuries. Or, you may not be able to get a police report for an accident that happens in a parking lot. However, police reports may be required when filing a claim for a hit-and-run accident. When in doubt, contact your local police department to ask if a police report is recommended.