American Family does not have a set time limit for filing claims and will consider a claim even if it is filed months or years after the incident occurred. However, American Family is more likely to deny a claim if the delay was unreasonable or if it compromised their ability to investigate.
Your American Family car insurance policy likely requires you to report an accident “promptly” or “as soon as possible.” But even though you have to immediately report the accident, that does not mean you have to immediately file a claim. In fact, you can wait 1-10 years to file a claim, depending on your state’s laws and the type of claim you need to file.
It’s important to keep in mind that the longer you wait to file a claim, the more difficult it will be for your insurance company to investigate and approve it. Filing a claim as soon as possible helps to ensure that everyone remembers the details of the accident and the evidence is still intact, so your claim is less likely to be challenged.
American Family allows you to file a claim online, over the phone, or through the mobile app. If you have any questions, you can call customer service at 1-800-692-6326.
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