How does the auto insurance claims process differ for uninsured/underinsured motorist coverage with Farmers?
The auto insurance claims process is different for uninsured/underinsured motorist coverage with Farmers. Here's everything you need to know about filing a claim for uninsured or underinsured motorist insurance with Farmers.
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Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Heidi Mertlich
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Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated November 2024
- Report the accident to Farmers Insurance as soon as possible, sharing all details, including your suspicion about the other driver’s insurance situation
- Farmers will assign a claims representative to guide you through the process and investigation
- If the claim is approved, Farmers will cover your damages up to the limit of your uninsured/underinsured motorist coverage
A car accident can be overwhelming to handle. But what if the other driver doesn’t have insurance? It sounds like a nightmare — and certainly can be, if the process isn’t correctly addressed.
So, how does the auto insurance claims process differ for uninsured/underinsured motorist coverage with Farmers? Let’s look at how auto insurance works and what this looks like for claims with Farmers.
What You’ll Need for Uninsured/Underinsured Motorist Claims With Farmers
First and foremost — and especially for claims involving uninsured or underinsured motorists — it’s essential to document everything. If possible, take pictures of any damage that occurred during the accident.
What information do I need to file an auto insurance claim with Farmers? Ensure you document all significant particulars like license plate numbers, names, and contact details of all parties implicated. Should there be any observers present, gather their information as well.
Once you have the necessary information, report the accident to Farmers. You can do this online, through the company’s app, or by calling 1-800-435-7764.
Provide Farmers all the details and documentation about the accident, and let the company know that the other driver doesn’t have insurance or is underinsured.
Read more: What should I do if I’m in an accident and don’t have auto insurance?
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Work With Your Farmers Claims Representative
But continuing with the claim, once it’s filed, Farmers will assign a claims representative to your case. This person will be your point of contact throughout the process and help you understand your coverage.
What information do I need to file an auto insurance claim with Farmers? Make sure to record all medical expenses and other accident-related costs as the process continues. This documentation will likely be requested by your claims representative, so it’s best to keep it handy because it’s quite possible to get injured in an accident caused by an uninsured driver.
Your representative will review the details of the accident with you and confirm your coverage specifics. Farmers will then move forward with your claim if it looks like you’re eligible for uninsured/underinsured motorist coverage. You would need to have this coverage included in your policy before the incident in question.
Read more:
- How long does it typically take for Farmers to process an auto insurance claim?
- How do I file an auto insurance claim with Farmers?
The Farmers Auto Insurance Claim Investigation
Once the company has the go-ahead, it will look into your accident to determine who was at fault. Investigators will reach out to any potential witnesses, review police reports, and observe damage to your vehicle.
They’ll also investigate the other driver’s insurance situation to confirm the uninsured or underinsured status of the driver.
Once Farmers is done with its investigation, the company will make a decision about your claim. If it turns out that the other driver is actually uninsured or underinsured — and you weren’t at fault — Farmers would cover your damages up to the limit of your uninsured/underinsured motorist coverage.
Note, however, that if you don’t have uninsured motorist coverage, you may have to rely on collision coverage in this situation — and you’d have to pay your deductible. If you only have liability insurance, Farmers won’t be able to take care of your claim.
The Difference for the Uninsured/Underinsured Auto Insurance Claims Process with Farmers
Sometimes when dealing with an auto insurance claims process for uninsured/underinsured motorist coverage with Farmers, the other driver may not cooperate. They may not believe they’re at fault in the accident — especially if out-of-pocket expenses are involved.
The other driver may even counter-sue you, even though they don’t have insurance. Or if the driver is underinsured, you may ask, “Can an auto insurance company sue me?”
But with a formal claim, Farmers can help you recover any costs or losses associated with the uninsured/underinsured driver or the accident. Regardless, if you should receive any legal documents, be sure to alert Farmers as soon as possible.
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Ensure a Smooth Uninsured/Underinsured Claims Process With Farmers
While this process can be stressful, it’s designed to protect you. Farmers is there to support you and help you get back on your feet. So, be patient, keep great records, and openly communicate with your representative.
If you do, you should be able to breeze through the auto insurance claims process for uninsured/underinsured motorist coverage with Farmers.
Frequently Asked Questions
What happens if my damages exceed the limit of my uninsured/underinsured motorist coverage?
You would then typically be responsible for paying the difference. You might be able to seek those funds from the other driver, but — as mentioned above — this can be difficult if they don’t have insurance.
Can I file a lawsuit against an uninsured or underinsured driver?
Yes, you can potentially file a lawsuit against an uninsured or underinsured driver. You may want to consult with a lawyer before going this route. Settling out of court or through your insurance company is usually the less expensive and time-consuming route.
What if my claim is denied or I’m unhappy with Farmers’ decision?
You can appeal Farmers’ decision. And if you’re still unhappy afterward, you can seek advice from an attorney or file a complaint with your state’s insurance department.
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