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What should I do when I have a claim?
Important things
to do when you have a loss:
- Notify Kentucky Farm Bureau Insurance promptly.
- Do not admit fault or discuss the
accident with anyone other than the police and Kentucky Farm Bureau.
- In case of an auto
accident or a home burglary call the police and obtain a police report–even
if the loss or damage is minor.
- In an auto accident, get this
information from others who are involved:
- Names, addresses, phone numbers,
license numbers, number of people in the vehicles
- Names, addresses, and phone numbers
of any witnesses.
- If your home is damaged, take steps
to secure it and protect it from further damage or loss. If temporary repairs are required
to provide the needed protection, you may be reimbursed for reasonable expenses you incur.
To Report A Claim
To report a claim during normal business hours, you may call your local
Farm Bureau Agent's Office.
Or, for your convenience in reporting a new claim after business hours, you may call our
toll-free After-Hours Claims Reporting Hotline:
After-Hours Claims Reporting Hotline
Whichever reporting option you use, your report will be more complete if you have the
following information for the Customer Service Representative:
- Date and time the loss occurred
- Location of loss or accident
- What vehicles or property or people were involved
- A description of what happened
- Names, addresses, and phone numbers of all those involved
- Description of damage and/or injuries
- Police report number
- Names, addresses, and phone numbers of any witnesses
- Name and phone number for whom we should contact to discuss the claim
What will happen after I have reported my claim?
After you report your claim, to either your local
Kentucky Farm Bureau Agent's Office or to our After-Hours Claim Reporting Hotline, your
information is sent electronically to our Claim Office in your area. There, your claim is
assigned to a Claim Representative.
The Claim Representative will normally contact you within 24 to 48 hours. He or
she will be able to answer your questions and provide information that will help you
resolve your claim quickly and easily.
Four
Frequently Asked Questions With One Common Answer!
How do I find
out the status of a claim?
Who do I contact to provide additional details about a claim?
How can I schedule a drive-in inspection and estimate of my damaged vehicle?
Where do I send estimates, police reports, medical bills, receipts, or other information?
Contact
the District Claim Office nearest you. Kentucky Farm Bureau has 15 District
Claim Offices throughout the state. Our friendly claim staff is prepared to take care of
your needs and answer questions that you might have.
When should I expect contact from an adjuster or Claim Service
Representative?
In most cases, you
should be contacted in 1 - 2 working days.
If I have been injured in an auto accident, will my automobile policy pay
for my medical expenses?
Typically, reasonable
and necessary medical treatment is covered under Personal Injury Protection (PIP) coverage
of your automobile policy. Assuming you have Personal Injury Protection (PIP) coverage,
the PIP coverage provides benefits for the driver and passengers in your vehicle and
pedestrians struck by your vehicle.
What if I have an Auto Glass Only claim?
If you carry Other than Collision coverage on your vehicle, most glass only claims have no
deductible. Contact your local Kentucky Farm Bureau Insurance Agent to report your
claim.
What if my vehicle has been "totaled" in an accident?
A vehicle is
considered a total loss if the cost to repair exceeds 75% of its actual cash value. If
your vehicle has been determined to be a total loss, you will be paid the actual cash
value of the vehicle, established by conducting a local market survey less any applicable
deductible.
How do I contact the
After-Hours Claim Reporting Hotline?
To report a claim after business hours, you may call
our toll-free After-Hours Claims Reporting Hotline.
After-Hours Claims Reporting Hotline
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