As the name implies, Texas Farm Bureau serves primarily rural and farm communities across Texas. It considers itself the “Voice of Texas Agriculture.” In addition to supporting farmers and ranchers in Texas through advocacy and political activity, it also offers its members benefits such as car insurance. To be a Texas Farm Bureau policyholder, you must be a member of the Texas Farm Bureau.
Because much of Texas is rural country, there are plenty of Texas Farm Bureau-insured drivers around the state. If you’re a policyholder with Texas Farm Bureau or you were in an accident involving a driver who holds a policy from Texas Farm Bureau, you should be prepared to jump through a number of hoops to have a successful outcome and receive a fair settlement.
Like many other car insurance companies, Texas Farm Bureau will do what it can to protect its own financial assets and financial position in the market, even as a nonprofit. That is why if you’ve been involved in a car accident and are uncertain of the claims filing process or if you’re going to receive a fair settlement, it helps to seek the assistance of a lawyer to help you get an appropriate settlement.
Even if you don’t choose to seek the help of an attorney for your claim with Texas Farm Bureau, we recommend you take the following steps to have the best shot at a fair and successful claim outcome:
- Keep track of all the documents related to your accident, including the police report, medical bills, witness testimony, and other information that may help your claim.
- Don’t sign any legal documents from Texas Farm Bureau or other entities until you’re sure what you’re signing and what the implications are.
- If you had passengers with you at the time of the collision, make sure their injuries are documented and copies of those records are available.
- Never admit fault to anyone and don’t speculate about the cause of the accident. When in doubt, contact an attorney right away.
- Let your insurance company know right away that the accident occurs. This will give them less of an opportunity to deny paying for damages they can say happened before or after the accident.
Filing a claim with Texas Farm Bureau
Filing a claim with Texas Farm Bureau is the same as with most other insurance companies. You can file a claim online, over the phone, or with your personal Texas Farm Bureau agent. To file a claim by phone or for information about the claims process, call 1-800-266-5458 and you’ll be connected to an agent anytime.Because Texas is considered an at-fault state, you can file a claim against Texas Farm Bureau to cover your accident-related property damage and medical expenses if the accident was not your fault. Usually, your insurance company will file against Texas Farm Bureau on your behalf, although it’s likely you’ll have to pay your deductible up front and be reimbursed as part of your settlement.
If the only damage involved in your accident was to your vehicle, such as a fender bender, we recommend that you work with Texas Farm Bureau or your own insurance company and follow the claims process. We do suggest getting a second opinion from a trusted repair shop to assess the damage to your vehicle and the repair cost.
If you or your passengers were injured in the accident, we suggest that you call an attorney to evaluate your options. Personal injury claims are not as cut-and-dry as property damage claims and this where insurance companies will use all of their available resources to avoid paying out if it’s possible. To make sure you’re compensated fairly and all the facts of your accident are brought to light, you should contact a lawyer to help you investigate your case.
When communicating with Texas Farm Bureau, make sure you document all of your discussions and agreements in writing, preferably through e-mail or the online claims system. Avoid coming to any sort of agreement over the phone or in person or ask to have the agreement documented first.
Before filing a claim with Texas Farm Bureau
- Read through your insurance policy and familiarize yourself with the level of coverage you have, and have your insurance policy number on hand.
- If the accident wasn’t your fault and involved another driver, have the full name of the other driver and their insurance information on hand.
- Gather the evidence of the damage to your vehicle — it helps to have before and after photos.
- Have the number of a trusted repair shop on hand as a second option for a damage estimate.
- If you suffered an injury, consider contacting a trusted lawyer before you file your claim.
More about Texas Farm Bureau Insurance
The Texas Farm Bureau was created during the Great Depression and grew from 15,000 members families to more than 500,000 today. The organization helped establish electricity and phone service to rural ranching and farming communities in Texas and has become the largest advocacy group supporting the needs of ranchers, farmers, and rural families in Texas. Its member pay annual dues, but don’t have to be ranchers or farmers, they simply have to be interested in or represent the interests of the organization.
As part of its member benefits, Texas Farm Bureau offers auto, home, farm/ranch, and life insurance. It was awarded the “Highest Customer Satisfaction Among Auto Insurers in Texas” five years in a row by the J.D. Power & Associates.
Need Help with your Texas Farm Bureau claim?
For simple property damage claims resulting from minor accidents, we recommend you follow the claims process provided by Texas Farm Bureau. If you’re unhappy with your settlement offer or suffered a personal injury during the accident, you should strongly consider contacting a trusted attorney to help you with your claim.
How to contact the Texas Farm Bureau Claims Department
Toll-Free Number: 800-266-5458
Hours: Reports taken 24/7
Email: Contact Form
Texas Farm Bureau Insurance Companies
7420 Fish Pond Road
Waco, TX 76710