Contact Information
In case of an accident or other incident that requires you to file a claim, State Auto Insurance makes it easy to reach them.
Phone Number
You can report a claim by calling their dedicated claims phone number: 1-800-782-8328. Their phone lines are open 24 hours a day, 7 days a week, so you can report your claim at your convenience.
Online Form
If you prefer not to call, you can also submit a claim online. Visit their website at www.stateauto.com/claims and click on the “File a Claim” button. You will need to provide some basic information about yourself and your policy, as well as details about the accident or incident.
Filing a Claim
Filing a claim with State Auto is a straightforward process. You can report an accident over the phone, online, or through the State Auto mobile app.
To file a claim over the phone, call the State Auto claims department at 1-800-442-4022. You will need to provide the following information:
- Your name, address, and phone number
- Your policy number
- The date, time, and location of the accident
- A description of the accident
- The names and contact information of any other drivers involved in the accident
- The names and contact information of any witnesses
If you are reporting an accident to the police, be sure to get a copy of the police report. You can also take pictures of the damage to your vehicle and the other vehicle(s) involved in the accident.
Claim Status
Checking the status of your claim is essential to stay informed about its progress. You can easily access this information online or over the phone. To check your claim status online, simply log in to your State Auto account and navigate to the “Claims” section. Here, you’ll find a detailed overview of your claim, including its current status, adjuster information, and any recent updates.
If you prefer to check your claim status over the phone, you can call the dedicated claims hotline at 1-800-333-1015. A friendly representative will assist you and provide you with the necessary information.
Contacting a Claims Adjuster
If you have any questions or concerns about your claim, you can directly contact your assigned claims adjuster. Their contact information is available in your online account or through the claims hotline. Claims adjusters are knowledgeable professionals who can guide you through the claims process, answer your questions, and help you understand the next steps.
Expected Timeline for Claim Processing
The timeline for claim processing varies depending on the complexity of your claim. However, State Auto strives to process claims efficiently and promptly. Typically, you can expect the following timelines:
- Initial claim reporting: Your claim will be assigned to an adjuster within 24 hours of reporting it.
- Investigation and assessment: The adjuster will gather information, inspect the damage, and determine the coverage and amount of your claim.
- Settlement: Once the investigation is complete, the adjuster will present you with a settlement offer. You have the right to accept or negotiate the offer.
Remember, these timelines are estimates, and the actual processing time may vary depending on the circumstances of your claim.
Coverage and Benefits
State Auto Insurance offers a wide range of coverage options to meet the needs of its customers. These include liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
Liability coverage protects you if you are at fault for an accident and cause damage to another person or their property. Collision coverage pays for damage to your own vehicle if you are involved in an accident, regardless of who is at fault. Comprehensive coverage protects your vehicle from damage caused by events other than collisions, such as theft, vandalism, or fire. Uninsured/underinsured motorist coverage protects you if you are hit by a driver who does not have insurance or does not have enough insurance to cover your damages.
The benefits of having auto insurance are numerous. First, it can protect you financially if you are involved in an accident. Second, it can give you peace of mind knowing that you are covered in case of an emergency. Third, it can help you maintain your good driving record.
Liability Coverage
Liability coverage is required by law in most states. It protects you if you are at fault for an accident and cause damage to another person or their property. Liability coverage has two main components: bodily injury liability and property damage liability. Bodily injury liability coverage pays for the medical expenses of anyone who is injured in an accident that you cause. Property damage liability coverage pays for damage to another person’s property, such as their car or home.
Collision Coverage
Collision coverage pays for damage to your own vehicle if you are involved in an accident, regardless of who is at fault. Collision coverage is not required by law, but it is a good idea to have it if you have a financed vehicle or if you live in an area with a high rate of accidents.
Comprehensive Coverage
Comprehensive coverage protects your vehicle from damage caused by events other than collisions, such as theft, vandalism, or fire. Comprehensive coverage is not required by law, but it is a good idea to have it if you live in an area with a high rate of crime or if you have a valuable vehicle.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage protects you if you are hit by a driver who does not have insurance or does not have enough insurance to cover your damages. Uninsured/underinsured motorist coverage has two main components: bodily injury coverage and property damage coverage. Bodily injury coverage pays for your medical expenses if you are injured in an accident with an uninsured or underinsured driver. Property damage coverage pays for damage to your vehicle if you are hit by an uninsured or underinsured driver.
Deductibles and Premiums
A deductible is a specific amount of money you agree to pay out-of-pocket before your insurance coverage kicks in. The higher your deductible, the lower your insurance premiums will be. Conversely, the lower your deductible, the higher your premiums will be. This is because insurance companies take on more risk when you have a lower deductible, so they charge you more to cover that risk.
Choosing the right deductible is a matter of finding a balance between the amount of money you’re willing to pay out-of-pocket and the amount of money you want to pay in premiums. If you’re comfortable with paying a higher deductible, you’ll save money on premiums. However, if you’re not comfortable with paying a higher deductible, you’ll need to pay higher premiums.
Tips on How to Lower Premiums
There are a number of things you can do to lower your insurance premiums, including:
- Increase your deductible.
- Take a defensive driving course.
- Install anti-theft devices in your car.
- Drive less.
- Maintain a good driving record.
- Bundle your insurance policies with the same company.
