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Auto Claims

The Vehicle Claim Process

If you have a claim, it's helpful to understand what happens during the vehicle claim process.

1. Claim Report

File a Claim

2. Review

  • State Farm will
    • Review claim details
    • Assess damage
  • Your claim associate may also contact you to
    • Get additional information
    • Explain your coverages
    • Discuss next steps
    • If we have already obtained necessary information when you file a claim, a follow-up phone call from State Farm may not be necessary.

3. Estimate + Repair

4. Payment

  • If payment applicable, State Farm will either
  • We'll pay to repair, replace, or furnish the agreed upon actual cash value of your property, subject to the terms and conditions of your policy.

5. Resolve

  • Subrogation (If we need to work with at-fault parties to recover payments)

Track Your Claim Online


Your claim team and agent are always available to answer questions and explain the claim process.