What You Ought to Know

  • The time taken to course of an auto insurance coverage declare from American Household depends upon the kind of incident, the declare quantity, the knowledge obtainable, and several other different components
  • American Household points fee 24 to 48 hours after you and the insurance coverage adjuster agree on the damages and estimates
  • When you select an authorized restore program store, American Household will make the fee on to the store

Whether or not you’ve had a serious crash or a minor fender-bender, submitting an auto insurance coverage declare could be tough. In case you are an American Household policyholder, you might marvel in regards to the time it takes for the corporate to course of your declare.

American Household Insurance coverage has been a Fortune 500 firm within the insurance coverage enterprise for greater than 90 years and has earned a robust status.

We’re right here that will help you perceive how insurance coverage claims work and the way lengthy American Household takes to course of a declare. This text explains how and when to file a declare with American Household, what components decide the processing time, and the way quickly you may anticipate the payout.

How lengthy does the declare course of take for American Household?

In accordance with the American Household web site, the fee for automobile repairs is normally issued inside 24 to 48 hours when you and your adjuster have agreed on the repairs.

Nevertheless, the processing time will improve if the automobile is totaled or a declare requires additional investigation. A claims adjuster will converse to witnesses and search paperwork resembling police experiences or medical recordsdata to develop a clearer image of the incident.

Since this investigation can take a couple of days or a couple of weeks, the time to course of your declare will fluctuate.

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File an Auto Insurance coverage Declare With American Household

You may file a declare by contacting an American Household agent or calling the corporate’s claims division at 1-800-MYAMFAM (1-800-692-6326). You can even use different handy choices, resembling the corporate’s MyAmFam app, or log in to your account on the American Household web site.

Steps within the Claims Course of for American Household

After you file a declare, an American Household claims consultant will name you after you file your declare to information you thru the remainder of the method. They could additionally search further details about the incident.

If wanted, a company-appointed insurance coverage or claims adjuster will examine the declare and damages to the automobiles concerned. The corporate may even examine the restore estimate you or the store present.

You may examine the standing of an auto insurance coverage declare at any time throughout the course of. As soon as the corporate approves your declare, you pay the deductible, and the corporate will launch the payout.

The corporate can pay the store instantly in the event you use an American Household Desires Restored Program-certified restore store. Learn extra about how auto insurance coverage corporations pay out claims.

Declare Processing Time for American Household

The auto insurance coverage declare course of for American Household varies from a couple of days to a couple weeks, relying on the character of the incident and the declare quantity, amongst different components.

The corporate points the settlement 24 to 48 hours after the policyholder and claims adjuster concur on the restore estimates. You may expedite the method by sharing as a lot data as attainable with the claims consultant and submitting the declare as quickly as attainable after the incident.

Often Requested Questions

How lengthy does the claims course of take for American Household?

The precise timing of a declare settlement course of varies from a couple of days to a couple weeks. Nevertheless, American Household points the settlement examine quickly after you and the insurance coverage adjuster agree on the repairs and estimates.

Can my automobile insurance coverage declare be rejected? 

Sure, your declare could be rejected if the insurance coverage firm suspects fraud, the injury shouldn’t be throughout the scope of the various kinds of auto insurance coverage protection you’ve got, or you haven’t supplied sufficient details about the incident.


Due to this fact, present as a lot data as attainable and in truth reply any questions the claims consultant asks you.

What’s the time restrict to file a declare with American Household? 

This depends upon your location. Most states have a statute of limitations on automobile insurance coverage claims, starting from one 12 months to 10 years.


Due to this fact, it’s best to file the declare as quickly as attainable, offering data resembling images of harm to your automobile and different automobiles, contact data of others concerned, and medical experiences.

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Rachel Bodine

Insurance coverage Function Author

Rachel Bodine graduated from faculty with a BA in English. She has since labored as a Function Author within the insurance coverage trade and gained a deep information of state and countrywide insurance coverage legal guidelines and charges. Her analysis and writing give attention to serving to readers perceive their insurance coverage protection and tips on how to discover financial savings. Her knowledgeable recommendation on insurance coverage has been featured on websites like PhotoEnforced, All…

Leslie Kasperowicz

Farmers CSR for 4 Years

Leslie Kasperowicz holds a BA in Social Sciences from the College of Winnipeg. She spent a number of years as a Farmers Insurance coverage CSR, gaining a stable understanding of insurance coverage merchandise together with residence, life, auto, and industrial and dealing instantly with insurance coverage prospects to know their wants. She has since used that information in her greater than ten years as a author, largely within the insurance coverage…

Editorial Pointers: We’re a free on-line useful resource for anybody involved in studying extra about auto insurance coverage. Our objective is to be an goal, third-party useful resource for every part auto insurance coverage associated. We replace our web site commonly, and all content material is reviewed by auto insurance coverage consultants.


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