Explore common questions about insurance claims, including how to file, what to expect, and how coverage is designed to work.
You can file an auto, home, renters, or auto glass claim online or through the COUNTRY Financial mobile app by logging into your account. From your dashboard, select "Claims" to start the process.
For more details, visit the Claims Support Center or call 866-COUNTRY (866-268-6879).
Each claim situation is different. When your claims representative contacts you to talk about your claim, they can let you know if the incident is considered chargeable or non-chargeable. Your Insurance Agent can help answer questions about how this may affect your insurance costs.
The claims process generally includes a few key steps:
Your claim representative is available to help answer questions as your claim progresses. Learn more about how claims work in the Claims Support Center.
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, theft, and vandalism claims. Your claims representative will let you know if you don’t need one.
For many auto claims, our appraiser will write an estimate for the damages to your car. You'll provide a copy of our estimate to your repair provider before repairs begin.
If the repair provider has questions about the estimate or additional damages are found, the repair provider will contact our appraiser to discuss.
We will reimburse you up to $40 per day ($800 maximum) for a rental vehicle while your insured car is unable to be driven and is being repaired for damage payable under your Comprehensive or Collision coverage.
This coverage ends when your vehicle is:
To receive reimbursement, you must have a vehicle rental coverage on your policy at the time of the claim.
We have 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 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.
Yes. Paying your deductible isn’t related to who or what caused the incident. We want you to select a deductible you’re comfortable with when you purchase your policy. Read more about deductibles.
If another person is at fault, we may pursue the at-fault party and/or their insurance company and attempt to recover your deductible. Our ability to return the deductible may depend on the result of arbitration, litigation, or other recovery efforts when applicable. If we can return it, the timeframe will depend on how long it takes for the insurance company or at-fault party to reimburse us.
Search for a local tow company or repair shop and work with them directly. We’ll reimburse you up to $100 per event for the services you need.
Log into your COUNTRY Financial account or open the COUNTRY Financial mobile app and review your policy details.
Look for:
If it’s not listed, contact your representative to discuss.
Yes to all three questions. Our Roadside Assistance coverage reimburses up to $100 per event, including locksmith services, flat tire repair, jump start services, fuel delivery* and more.
Yes. Just work with a local tow company or repair shop and we’ll reimburse up to $100 per tow event.
No. There’s an additional charge to add this coverage to your car insurance policy, but it’s much more affordable than you think. Talk to your COUNTRY Financial rep to find out more.
As soon as it’s available on your auto insurance policy.
The time to resolve a claim depends on the type and severity of the incident. Most auto and property damage claims are paid within 30 days. More complex claims may take longer depending on the circumstances involved.
Car insurance deductibles are on a “per occurrence” basis. This means that every time you want to use a coverage that has a deductible, the claim check is written with the deductible removed from the actual damages. Put simply, a deductible isn’t paid, it’s removed from the estimated damages before the company writes the check. Example: The estimated damages to fix your bumper costs $3,500. If you have a $500 deductible then your insurance company will write a check for $3,000 for damages.
Roadside assistance coverage is designed to get you off the road safely (towing to a service station) or back on the road safely (run out of gas, flat tire or lock out).
Roadside assistance is considered an auto claim and can vary by state in how they are used in setting your rate. Some insurance carriers don't raise the cost of your insurance for using the roadside assistance portion of a policy.
When filing a claim, it helps to have the following information ready:
Having this information prepared can help speed up the claims process.
COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.
* The cost of the fuel is not included in this reimbursement.
For product and service information, read our Terms & Conditions. Read our full Financial Services Handbook.