To report an accident to State Farm, call customer service at 800-STATE-FARM and select option two, or use the notification feature in the mobile app. State Farm requires customers to report all accidents, whether or not they intend to file a claim, and it offers an accident report form to help customers record details.Reporting an accident is not the same thing as filing a claim, which you can do online, through the mobile app, or by calling 800-SF-CLAIM (800-732-5246). Reporting an accident has no impact on your insurance rate. If you file a claim, however, you risk seeing your rate increase when it’s time to renew the policy.
How To Report An Accident To State Farm
Call State Farm at 800-STATE-FARM (800-782-8332) to report the accident.
Record details about the incident in the State Farm mobile app, or request an accident report form and fill it out as completely as you can.
Submit your completed accident report, or the official police report, to State Farm.
Confirm State Farm has reviewed your accident report.
After you report an accident to State Farm, the company will keep the information on file to use as a reference in case a claim is ever filed regarding the incident.
To get the State Farm low mileage discount, a customer must drive fewer than 7,500 miles per year. Exactly how much State Farm’s low mileage discount can save a customer depends on many factors, like their address, car type, and driving history.
Provide odometer information to a State Farm agent, who will call to verify the reading. Agents call to verify odometer information when it’s time to renew a policy, and sometimes mid-term.
Confirm your low mileage discount is being applied to your bill. It will last as long as you continue to drive fewer than 7,500 miles annually.
How State Farm Verifies Low Mileage
To verify a customer meets the annual mileage requirement, a State Farm agent will contact the customer to collect their odometer information for the past year. State Farm will then continue to contact the customer periodically to collect the car’s odometer readings. If those readings show the customer has increased their driving to more than 7,500 miles per year, they will lose the discount.
State Farm insurance rates go up by an average of 56% after an accident. Drivers who have State Farm accident forgiveness will not see their car insurance rates go up at all after their first accident in 9 years, however. Even if the accident can’t be forgiven, it will only affect your insurance rate for … read full answer3-5 years, depending on your state.
The exact amount that premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused, and the policyholder’s driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Repeat offenders also see relatively large rate hikes.
Yes, you can file an insurance claim with no police report after a car accident. Having a police report is helpful and can simplify the claims process, but it’s not required to file or authorize a claim. Whether or not you are legally required to file a police report depends on your state’s laws, however.… read full answer
In most states, you are required by law to file a police report if anyone is injured. You may also have to file a police report if property damage exceeds a certain amount, but the exact number varies greatly by state.
When You Don't Have to File a Police Report
You don’t have to call the police after an accident if no one was hurt, the damage was minor, and everyone involved is licensed, insured, and cooperative. In fact, the police can’t and won’t come to the scene of every accident. For example, you only need to contact the police after a minor fender bender if the other driver is uncooperative, uninsured, or intoxicated.
If you don’t file a police report right after a car accident, at least make sure to exchange contact and insurance information with the other driver, and photograph the damage to both vehicles as well as the full scene of the accident. Write down the date, time, and location of the accident, too, along with the weather and road conditions and a description of the vehicles involved.
You can always take this information to a police station to file an incident report if the police don’t come to the scene.
What happens if there is no police report for a car accident?
When a claim is filed after an accident, insurers want to know who was at fault so they can decide whose insurance will cover the damage. A police report is a detailed and official account of the accident that includes whether anyone was cited, eyewitness accounts, the officer’s opinion of how it happened, and any on-the-scene evidence – like the length of skid marks or the position of the wreckage on the road.
These details are useful when making an insurance claim, and a police report can make the process faster and easier. But not having one won’t bar you from being able to file a claim or lawsuit.
Reporting an Accident vs. Filing a Claim
Whether you decide to file a police report or not, it’s always in your best interest to report a car accident involving another driver to your insurance company. Making a report is not the same thing as filing a claim. Most insurance companies require you to report an accident as soon as possible, and failing to do so could give them an easy reason to deny your claim. The only time it is OK to skip reporting an accident to insurance is if it happens in your car, no one is injured, and only your own property is damaged.
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