The claims process

Claims agent speaking with customer after crashClaims agent speaking with customer after crash

We get it—filing an insurance claim can be a stressful experience. That's why we’re committed to making this process as smooth as possible for you. In this guide, we'll walk you through the steps involved in the insurance claims process, answer frequently asked questions, and provide tips to help ensure a stress-free experience.

Person placing a call for help after an accident

Filing a new claim

Contact us to report the claim

If you’re a Dairyland® customer, you can report your claim to us by phone or online. As soon as we receive your claim, we assess it and assign it to a dedicated team member who will handle your case.

We'll get in touch and validate your policy

Upon receiving your claim, we'll review the reported facts of the loss and gather information from any other parties involved. We'll also carefully examine your policy to identify the applicable coverages. During this stage, you can expect the following from us:

  1. Initial contact: Our team will reach out to you and all parties involved to discuss the details of the loss.

  2. Policy validation: Our team will review your policy with you to make sure you understand the coverages and benefits you're entitled to.

We'll assess the claim, including responsibility and damages

After a thorough investigation, we'll determine liability—in other words, who was at fault in the incident. Additionally, we'll initiate an assessment of damages, including vehicle damages and injuries.

Your claims representative will work diligently to negotiate any damages owed to you. This phase aims to ensure you receive a fair settlement for your claim. This is a critical part of the process, and we’re here to provide the support you need to reach a fair and efficient resolution.

Frequently asked questions about the claims process

We know there are plenty of other variables involved in a claim, and you probably have additional questions. Don't worry—you're not alone. Here are answers to some common questions we hear:

What kind of evidence might I need to provide for my claim?

It depends on the circumstances of the claim, but you’ll want to have as much of the following information on-hand as possible:

  • Photos of vehicle damage

  • Other related invoices

  • Medical bills, if applicable

  • Police reports

  • Theft affidavits, if applicable

When will someone inspect my vehicle?

The inspection timing may vary, but we aim to schedule it as soon as possible to assess the damages once you've filed your claim.

Who will pay for my medical bills?

The coverage for medical bills will depend on your policy. Your claims adjuster will help you understand the specifics.

What will my insurance cover?

Your adjuster will review your policy with you to identify the coverages you have.

How long will the claims process take?

The duration can vary based on the complexity of the case. Rest assured, we'll work to efficiently resolve your claim.

We're here for you

We’re dedicated to making your claims process as seamless as possible. By keeping lines of communication open, providing key information in a timely manner, and staying informed about your coverage, you can help us expedite your claim and achieve a fair resolution.

If you have any further questions or concerns, don't hesitate to reach out to your assigned adjuster or contact our customer support team.