Claims FAQs

We've gathered answers to your most popular questions below. 

What's on your mind?

You can report your auto, home, renters , or auto glass claim online. Log in to your account, choose Claim at the top of the page and complete the form. You’ll receive a confirmation number and someone will be in touch with you shortly!

If you’d rather talk to a real person, give us a call at 866-COUNTRY (866-268-6879). We’re happy to help!

For all other claims types, call 866-COUNTRY (866-268-6879) or visit our Claims Support Center for more details. 

Each claim situation is different. When your claims representative contacts you to talk about your claim, they can let you know if it will affect your policy. You can also contact your representative if you have questions about your policy premiums.

Once you report your claim, it will be assigned to a claims representative who will get in touch with you for more details. Depending on the type of claim you have, your damage may be inspected, and your claim rep will contact you to settle your claim. For glass claims, report them through your online account.

While one year is common, the time limit to report a claim varies by state. It's best to report a claim as soon as you're aware of it. Please contact your representative for your state’s specific limit. 

You’ll need to file a police report for most auto accidents and theft claims. Your claims representative will let you know if you don’t need one for your claim.

For many auto claims, a COUNTRY Financial appraiser will write an estimate for the damages to your car. You’ll provide a copy of our estimate to your repair shop before repairs begin. If the repair shop has questions about the estimate or additional damages are found, the repair shop will contact the COUNTRY Financial appraiser to discuss.

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.

 

COUNTRY Financial has a direct bill program with Enterprise Rent-A-Car. However, you can choose any rental company you want as long as we pre-approve the rental vehicle expenses.

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. 

When you need a tow or other roadside service, you can call 866-COUNTRY (866-268-6879) or contact Roadside Assistance at 800-481-1080. You may also contact your repair shop of choice to see if they offer towing services.

If you have chosen to have Road Service coverage on your policy, COUNTRY will pay up to $100 per event for a tow to the nearest repair shop or location of your choice. The $100 per event also includes help for things like locking your keys in your car, a flat tire, or a jump start. If you’re not sure if you have Road Service coverage on your policy, log in to your account to check out your auto coverages.

Yes. Unfortunately, paying your deductible isn’t related to who’s at fault in an accident. So we want you to select a deductible you’re comfortable with when you purchase your auto policy. However, if another driver is at fault, we’ll try to recover all or part of your deductible from their insurance company or from them. Read more about deductibles.

If another person is at fault, COUNTRY Financial will pursue the at-fault party and/or their insurance company to recover your deductible. The timeframe will depend on how long it takes for the insurance company or at-fault party to reimburse us.

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.