Auto Insurance Claims

You can report or track your claim within your online account. If you're not a COUNTRY Financial client, call us at 866-COUNTRY (866-268-6879). Learn about Roadside Assistance claims.

What to expect when reporting an auto insurance claim

Whether you're reporting a minor fender bender or a major crash a representative will contact you as soon as possible.

The claims process


Your auto claim is assigned to a claim representative, who will call you by the end of the next business day to gather additional details.


Your claim is reviewed and arrangements will be made to inspect the damages to your vehicle or determine the damages. We have several convenient appraisal options and your claim representative will guide you through the process to help you get back on the road. 

Claim status

Your claim is resolved and closed.


Find out more about filing an auto claim.

How to prepare for auto claim questions

To help make the claim process go smoothly, use the following checklist to prepare for questions we may ask.

  • Names and contact information for everyone involved in the accident, including any witnesses
  • Your telephone numbers, including home, work and cell numbers
  • Your email addresses
  • A household contact you want handling the claim
  • Your policy number
  • Date and location of your accident
  • Description of your accident and damages
  • Description of injuries to you, your passengers, or other people
  • Vehicle information, including make, model, year and license plate number
  • Police department information, including department name, report number, and a description of any tickets

Frequently asked questions

We will reimburse you up to $40 per day and a maximum of $800 for the rental of a substitute car while your insured car cannot be driven and is being repaired for damage payable under your Comprehensive or Collision coverage.

This coverage ends when your vehicle is:

  • repaired and ready to be picked up from the shop, 
  • replaced (in the event of a total loss), or 
  • when we pay or offer payment for the loss, whichever occurs first.

Just log into your COUNTRY Financial account to see whether “Emergency Roadside Service” or “Vehicle Travel and Tow” is listed on your auto policy. If it’s not, contact your rep to add the coverage.

If our appraiser has determined your car is a total loss, one of our auto specialists will contact you to discuss a settlement based on the value of your car in its pre-claim condition.

  • Locate the title to your car. 
  • If your lienholder (bank) has your title, have your lienholder name, number, and account number readily available to provide this information to your Total Loss Adjuster.

Claims assistance your way

Get support from local experts

Your rep is always there to help:

  • Answer your insurance questions
  • Guide you through the claims process
  • Balance your coverage needs with your budget
  • Update your coverage as your life changes

Most common claims questions

We've answered some of the most common claims questions, like the ones below.

  • How do I report a claim?
  • Is this claim going to affect my premium?
  • What is the typical claims process?
  • When do I get my deductible back?

Have additional questions?

Call us at 866-COUNTRY (866-268-6879) or reach out to your representative for help.  

You might be interested in

  • Couple talking while driving in a new car.

    Why is Car Insurance so Expensive?

    Many factors make car insurance costs increase. Cost of repairs, car theft and your personal driving history are a few. Learn what drives car insurance rates.

  • Family leaving for work and school inside SUV

    4 Ways to Save Money on Car Insurance

    Save money on car insurance by following the speed limit, keeping your credit score up, choosing your car carefully and making sure you get all the auto insurance discounts you qualify for.

COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.

For product and service information, read our Terms & Conditions. Read our full Financial Services Summary Handbook.