How long does it take for American Family to process an auto insurance claim?

Whether you’ve had a major crash or a minor fender-bender, filing an auto insurance claim can be tricky. If you are an American Family policyholder, you may wonder about the time it takes for the company to process your claim.

American Family Insurance has been a Fortune 500 company in the insurance business for more than 90 years and has earned a strong reputation.

We are here to help you understand how insurance claims work and how long American Family takes to process a claim. This article explains how and when to file a claim with American Family, what factors determine the processing time, and how soon you can expect the payout. (For more information, read our “What documentation do I need to file an auto insurance claim with American Family?“).

How long does the claim process take for American Family?

According to the American Family website, the payment for vehicle repairs is usually issued within 24 to 48 hours once you and your adjuster have agreed on the repairs.

However, the processing time will increase if the car is totaled or a claim requires further investigation. A claims adjuster will speak to witnesses and seek documents such as police reports or medical files to develop a clearer picture of the incident.

Read More: What is American Family’s policy on rental car coverage during the claims process?

Since this investigation can take a few days or a few weeks, the time to process your claim will vary.

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How to File an Auto Insurance Claim With American Family

You can file a claim by contacting an American Family agent or calling the company’s claims department at 1-800-MYAMFAM (1-800-692-6326). You can also use other convenient options, such as the company’s MyAmFam app, or log in to your account on the American Family website. (For more information, read our ” How do I file an auto insurance claim with American Family?“).

Steps in the Claims Process for American Family

After you file a claim, an American Family claims representative will call you after you file your claim to guide you through the rest of the process. They may also seek additional information about the incident.

If needed, a company-appointed insurance or claims adjuster will investigate the claim and damages to the vehicles involved. The company will also check the repair estimate you or the shop provide.

You can check the status of an auto insurance claim at any time during the process. Once the company approves your claim, you pay the deductible, and the company will release the payout.

The company will pay the shop directly if you use an American Family Dreams Restored Program-certified repair shop. Read more about how auto insurance companies pay out claims.

Claim Processing Time for American Family

The auto insurance claim process for American Family varies from a few days to a few weeks, depending on the nature of the incident and the claim amount, among other factors.

The company issues the settlement 24 to 48 hours after the policyholder and claims adjuster concur on the repair estimates. You can expedite the process by sharing as much information as possible with the claims representative and filing the claim as soon as possible after the incident.