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

If you have chosen to have Vehicle Rental coverage on your auto policy, COUNTRY Financial will provide a rental car during repairs if your damage is the result of a covered claim. We’ll pay for a similar vehicle to the one you own, up to $40 a day (including taxes and fees) and an $800 maximum. You may also choose to use the $40 a day on cab fair or a ride sharing service. If you’re unsure if you have rental coverage, log in to your account to view your policy coverages.

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 the COUNTRY Financial appraiser has determined your vehicle is a total loss, one of our auto specialists will contact you to discuss settlement, based on the value of your car in its pre-claim condition. If you have The Keeper coverage, you may be eligible for a brand new car of similar make and model. 

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.  

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COUNTRY Financial® is the marketing name for the COUNTRY Financial family of affiliated companies (collectively, COUNTRY), which include COUNTRY Life Insurance Company®, COUNTRY Mutual Insurance Company®, and their respective subsidiaries, located in Bloomington, Illinois.

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