CLAIMS CENTER

When the unexpected happens, you need help from people who care, fast.

Whether you need to submit a claim, manage your claim or ask a question, we're here to help you every step of the way. And we're not just here after something happens — we'll help you prepare your home, important possessions, businesses and loved ones before life throws a curve your way.

 

 


What to Do
Knowing what to do after an auto accident or damage to your home, business or personal property can feel scary. Follow these simple steps to take action right away.

 

Whhat to do
If you’re involved in an auto accident or have damage to your vehicle...
 
  1. Safety is the priority. Move to a safe location and check for injuries. If there are injuries, call 911.
  2. Call the police right away and avoid discussion of insurance policy coverage and fault.
  3. If you’re able to do it safely, take photos of the accident (intersections, street signs, mile markers) and damage to other property or vehicles.
  4. Gather accident details including year, make, model and license plate of all vehicles involved in the accident.
  5. Exchange contact information including name, phone, email of anyone involved and any witnesses, as well as insurance information.
Report your claim right away. We’ll walk you through every step.

 
You may need a repair facility. If you don’t have one in mind, we’ve coordinated with body shops across the country to provide quality service. We’ll help you find a repair facility that can meet your needs.
  1. Make sure you can safely access the home or area. If you don’t feel safe or you’re unsure, it’s best to get a professional.
  2. We know viewing damage to your home or business can be very difficult. Before any clean up, be sure to make a list of damages and record it with photos and videos.
  3. You might need the help of an expert for clean up or repairs. If you’re unsure who to use, your dedicated claim professional can provide you with a choice of highly qualified and insured contractors in your area once you file a claim.
  4. Take steps to prevent further damage until your claim can be investigated.
  5. Keep all of your invoices, receipts and any damaged items.
Report your claim right away. We’ll walk you through every step.
To prevent further damage, see our Mitigation Techniques.
  1. If your farm equipment has been damaged, contact your implement dealer to obtain an estimate for repairs.
  2. Make temporary repairs or take steps to prevent further damage until your property can be evaluated. Don’t authorize any permanent repairs until discussing your claim with your CARE Professional.
  3. Keep all of your invoices, receipts, and any damaged items.
  4. If you’re reporting a claim for deceased livestock, we’ll need a Doctor of Veterinary Medicine (DVM) to perform a postmortem exam to determine the livestock’s cause of death.
  5. We know viewing damage to your home or business can be very difficult. Before any clean up, be sure to make a list of damages and record it with photos and videos.
  6. Don’t delay. Report your claim right away as your Farm policy may have unique, time sensitive reporting provisions.

 


The Claim Process
When the unexpected happens, you need help from people who care, fast. At State Auto, we’ve reimagined the claim experience making it easier than ever before. Whether you have an auto, business, homeowners or farm policy, we're here to take the mystery out of the claims process so you know what to expect and feel confident that you choose State Auto.
Accidents can be upsetting and unnerving, even for the most seasoned drivers. Here’s what you can expect from the claim process to get you back on the road quickly.

 

 

If you’re involved in an auto accident, stay safe and call 911 if there are injuries. Use our accident scene checklist so you know exactly what to do.
 

Reporting your claim online is fast and easy and puts the State Auto team at your fingertips in a few clicks. Your situation and policy coverage is unique, just like you. We’ll work with you to get the help you need, like explaining your policy coverage and if applicable, reviewing alternate transportation options. Gather this helpful information as you file your claim:
 
  • State Auto policy number
  • The date of loss
  • Your VIN #
  • The mileage of your vehicle
  • The information of the other parties involved
  • Your cell phone - be ready to snap a pic
  • Your preferred repair facility. If you don’t have one in mind, we’ve coordinated with body shops across the country to provide quality service. We’ll help you find a repair facility that can meet your needs.
  • Report your claim to State Auto
 

We’ll gather and review claim details
We’ll contact you to review the specific details of your claim and policy coverages. You’ll have 24/7 access to manage your claim and track the status.
 

This helps us determine if your vehicle is repairable and how to proceed.
We may ask you to take some photos or we’ll set up an appointment to have someone look at the vehicle. We know that in some cases viewing damage to your vehicle can be difficult. Once we take a look, we’ll provide you with an estimate and details on how to proceed.

If your vehicle is not repairable: When a vehicle can’t be safely repaired or the cost to repair the vehicle is near or exceeds the estimated value of your vehicle, it may be considered a “total loss.” We know this news can be upsetting. Your dedicated CARE Professional will fully explain the process and help you through each step..

If your vehicle is repairable: You’ll choose a repair facility to complete repairs and we’ll work with any shop. Don’t have a repair facility in mind? You can select a repair facility that meets both quality and service standards from our network of trusted body shops. Being in an auto accident is difficult enough. Knowing you can trust the people fixing your vehicle gives you peace of mind.
 

We’ll send you an estimate to repair the damage with a detailed explanation. Next, we’ll issue payment so repairs can begin. Most claim payments are issued quickly via secure direct deposit to your bank account. All you’ll need to provide is your bank routing number and account number.
 

Once you’ve received your approved estimate, you can authorize the repair facility to order parts and set up an appointment to begin repairs. It’s possible that during the repair process additional damage may be discovered. This isn’t uncommon and we’ll handle this directly with your shop.
We know your house is more than just a house – it's your home. Here’s what you can expect if you have a claim.

 

 

If you have damage to your property
  • First and foremost, be safe. Make sure you can safely access the home or area. If you don’t feel safe or you’re unsure, it’s best to get a professional.
  • We know viewing damage to your home or business can be very difficult. Before any clean up, be sure to make a list of damages and record it with photos and videos.
  • You might need the help of an expert for clean up or repairs. If you’re unsure who to use, State Auto can provide you with a choice of highly qualified and insured contractors in your area once you file a claim.
  • Make temporary repairs or take steps to prevent further damage until your property can be evaluated. Avoid permanent repairs until you speak with a State Auto professional.
  • Keep all of your invoices, receipts, and any damaged items.
  • Report your claim right away to State Auto.
 

Report your claim to State Auto
Reporting your claim online is fast and easy and puts the State Auto team at your fingertips in a few clicks. Gather this helpful information as you file your claim:
 
  • State Auto policy number
  • The date of loss
  • Your cell phone - be ready to snap a pic
  • Name of contractor (if you have one)
Do you have a contractor in mind? Knowing who you can trust to fix your home or business can feel overwhelming. If you’re not sure, State Auto has a network of highly qualified and vetted contractors that you can tap into to complete both mitigation and repair work. It’s always your choice, but we’ll do everything we can to help connect you to a network you can trust.
Report your claim to State Auto
 

Keep your phone handy. Your dedicated CARE Professional will contact you to discuss the specific details of your claim, explain your policy coverages and the claim process. You’ll have 24/7 access to manage and track your claim.
 

Depending on your unique situation, we may send you a link to take photos and video of your property, or we’ll set up an appointment to have someone look at it in person. We know that in some cases documenting damage can be difficult, but this will allow us to get you the help you need fast. Once we take a look, we’ll provide you with an estimate, review it together, answer any questions and guide you on how to proceed.

You’ll need to:
  If your home is uninhabitable:
  If you’re unable to stay at your home due to the damages, call us right away at 877-722-5246. We’re here for you 24/7 and will help you with your options.

  Select a Contractor:
  You’ll need to select a contractor to perform the necessary repairs and we’ll work with whoever you choose. If you’re not sure, State Auto has a network of highly qualified and vetted contractors for you to tap into to complete both mitigation and repair work. Let your CARE Professional know if you’d like to use this optional service.

  If your Personal Belongings are Damaged or Stolen:
  Start creating an inventory list of damaged or stolen personal belongings, including the cost and age of the items. Don’t get rid of anything that's been damaged until you’ve been guided by your State Auto professional to do so. If possible, move or cover up personal belongings to protect from further damage.
 

We’ll send you an estimate to repair the damage with a detailed explanation. Next, we’ll issue payment to begin repairs. Most claim payments are issued quickly via secure direct deposit to your bank account. All you’ll need to provide is your bank routing number and account number.
 

Once you’ve received your approved estimate from State Auto, your contractor will review it and begin repairs. If your chosen contractor has any questions or concerns, your dedicated State Auto professional will work with them directly.
We know your business is your livelihood. We hope the unexpected never happens, but if it does, we’ll get you back in business, quickly.

 

 

If you have damage to your business or property
  • First and foremost, be safe. Make sure you can safely access the home or area. If you don’t feel safe or you’re unsure, it’s best to get a professional.
  • We know viewing damage to your business can be difficult. Before any clean up, be sure to make a list of damages and record it with photos and videos.
  • Contact a professional restoration company if you need assistance removing debris off your business, boarding up any openings to your home or have water or fire damage that needs to be cleaned or removed.
  • Make temporary repairs or take steps only to prevent further damage until your property can be evaluated.
  • Keep all of your invoices, receipts, and any damaged items.
  • Report your claim right away to State Auto.
 

Report your claim to State Auto
Reporting your claim online is fast and easy and puts the State Auto team at your fingertips in a few clicks. Gather this helpful information as you file your claim:
 
  • State Auto policy number
  • The date of loss
  • The information of any other parties or witnesses involved
  • Your cell phone - be ready to snap a pic

  • Do you have a contractor in mind? Knowing who you can trust to fix your business can feel overwhelming. If you’re not sure, State Auto has a network of highly qualified and vetted contractors that you can tap into to complete both mitigation and repair work. It’s always your choice, but we’ll do everything we can to help connect you to a network you can trust.
  • Report your claim to State Auto
 

We’ll gather the claim details:
Keep your phone handy. Your dedicated CARE Professional will contact you to discuss the specific details of your claim, explain your policy coverages and the claim process.
 

Depending on your unique situation, we may send you a link to take photos and video of your property, or we’ll set up an appointment to have someone look at it in person. We know documenting damage can be difficult, but this will allow us to get you the help you need fast. Once we take a look, we’ll provide you with an estimate, review it together, answer any questions and guide you on how to proceed.

You’ll need to:

  Select a Contractor:
  You’ll need to select a contractor to perform the necessary repairs and we’ll work with whoever you choose. If you’re not sure, State Auto has a network of highly qualified and vetted contractors for you to tap into to complete both mitigation and repair work. Let your CARE Professional know if you’d like to use this optional service.

  Document Inventory:
  Begin creating an inventory list of the damaged or stolen belongings, including the cost and age, brand, serial numbers or model numbers of the item(s). You’ll want to gather receipts, manuals, appraisals and warranties. Do not get rid of any items until discussing it with your dedicated CARE Professional.

  Gather Financial Documentation:
  If you have any business income loss, begin gathering your historical tax records, profit and loss statements and sales records.
 

We’ll send you an estimate to repair the damage with a detailed explanation. Next, we’ll issue payment to begin repairs. Most claim payments are issued quickly via secure direct deposit to your bank account. All you’ll need to provide is your bank routing number and account number.
 

Once you’ve received your estimate from State Auto, your contractor will review it and begin repairs. If your contractor has any questions or concerns, your dedicated State Auto professional will work with them directly.
We understand farming is your livelihood and having a claim can be devastating. Our dedicated Farm Team is here to get you back to your business, fast.

 

 

If you have damage to your farm:
  • If your farm equipment has been damaged, contact your implement dealer to obtain an estimate for repairs.
  • Make temporary repairs or take steps to prevent further damage until your property can be evaluated. Don’t authorize any permanent repairs until discussing your claim with your CARE Professional.
  • Keep all of your invoices, receipts, and any damaged items.
  • If you’re reporting a claim for deceased livestock, we’ll need a Doctor of Veterinary Medicine (DVM) to perform a postmortem exam to determine the livestock’s cause of death.
  • We know viewing damage to your home or business can be very difficult. Before any clean up, be sure to make a list of damages and record it with photos and videos.
  • Don’t delay. Report your claim right away as your Farm policy may have unique, time sensitive reporting provisions.
 

Report your claim to State Auto
Reporting your claim online is fast and easy and puts the State Auto team at your fingertips in a few clicks. Gather this helpful information as you file your claim:
 
  • State Auto policy number
  • The date of loss
  • The information of any other parties or witnesses involved
  • Your cell phone - be ready to snap a pic
Do you have a contractor in mind? Knowing who you can trust to fix your business can feel overwhelming. If you’re not sure, State Auto has a network of highly qualified and vetted contractors that you can tap into to complete both mitigation and repair work. It’s always your choice, but we’ll do everything we can to help connect you to a network you can trust.
Report your claim to State Auto
 

Keep your phone handy. Your dedicated CARE Professional will contact you to discuss the specific details of your claim, explain your policy coverages and the claim process. You’ll have 24/7 access to manage and track your claim.
 

Depending on your unique situation, we may send you a link to take photos and video of the damage or we’ll set up an appointment to have someone look at it in person. We know that in some cases, documenting damage can be difficult, but this will allow us to get you the help you need fast. Once we take a look, we’ll give you an estimate, review it together, answer any questions and guide you on how to proceed.

You’ll need to:

  If you Farm Equipment is damaged:
  If your farm equipment has been damaged, contact your implement dealer to obtain an estimate for repairs.

  Livestock:   If you’re reporting a claim for deceased livestock, we will need a Doctor of Veterinary Medicine (DVM) to perform a postmortem exam to determine the cause of death.

  Select a Contractor:   You’ll need to select a contractor to perform the necessary repairs and we’ll work with whoever you choose. If you’re not sure, State Auto has a network of highly qualified and vetted contractors for you to tap into to complete both mitigation and repair work. Let your CARE Professional know if you’d like to use this optional service.

If your Personal Belongings are Damaged or Stolen: Start creating an inventory list of damaged or stolen personal belongings, including the cost and age of the items. Don’t get rid of anything that's been damaged until you’ve been guided by your State Auto professional to do so. If possible, move or cover up personal belongings to protect from further damage.
 

We’ll send you an estimate to repair the damage with a detailed explanation. Next, we’ll issue payment to begin repairs. Most claim payments are issued quickly via secure direct deposit to your bank account. All you’ll need to provide is your bank routing number and account number.
 

Once you’ve received your estimate from State Auto, your contractor or repair center will review it and begin repairs. If your chosen contractor or repair center has any questions or concerns, your dedicated State Auto professional will work with them directly.

 


Discount image
Find a Repair Facility you can trust.
Being in an auto accident is difficult enough. Knowing you can trust the people fixing your vehicle gives you peace of mind.
We’ve coordinated with body shops across the country to provide quality service. Let us help you find the right one for you.
Search by location
 

 

 


 

Customer Servie

Need to talk to Customer CARE? Call 1.877.722.5246