How to File a Farm Bureau Claim After a Car Accident in Phoenix, AZ

If you’ve been in a car accident in Phoenix, Arizona, you may be juggling more than just physical pain. Between the insurance paperwork, police reports, medical visits, and vehicle repairs, the process can feel overwhelming. But don’t let the confusion or frustration stop you from moving forward. Whether you were hit by someone with Farm Bureau coverage or you’re the policyholder yourself, knowing how to file a Farm Bureau claim can make the difference between a smooth recovery and a drawn-out battle.

By breaking down what happens after the crash, what Farm Bureau will ask for, and how to respond if they push back, you can avoid delays, protect your rights, and pursue compensation for your losses.

This blog covers each stage of the process, from reporting the accident and gathering evidence to resolving disputes and negotiating a fair payout. Whether your case is simple or complex, here’s what you need to know to handle your Farm Bureau auto accident claim in Arizona with confidence. Let’s start with how Arizona law decides who pays for vehicle damage, medical bills, and other crash-related costs.

Arizona’s At-Fault Insurance System

Arizona follows an at-fault model for auto insurance. This means the driver who caused the crash is legally responsible for paying damages. If you were hit by another driver, their liability insurance should cover your vehicle repairs, medical bills, and other losses. If you were the one who caused the accident, your Farm Bureau policy would typically cover the other party’s damages, up to your coverage limits.

Minimum insurance requirements under A.R.S. § 28-4009 include:

• $25,000 in bodily injury liability per person
• $50,000 total per accident for bodily injury
• $15,000 for property damage

These numbers don’t go far in a motor vehicle accident involving serious injuries or multiple vehicles. That’s why it’s important to understand your coverage and consider consulting a Phoenix personal injury lawyer if the claim becomes complicated.

To better understand how your claim may be handled, let’s look at two key Arizona laws—one that affects how fault is assigned and one that affects how long you have to take legal action.

Key Arizona Laws to Keep in Mind

Even if you don’t plan to file a lawsuit, it helps to know how Arizona law affects how your claim is evaluated. Insurance companies look at both fault and legal deadlines when deciding how much to offer, and whether they can pressure you to settle for less. Two laws in particular often shape the claims process: comparative fault and the statute of limitations.

Comparative Fault Rules

Arizona follows a pure comparative fault system under A.R.S. § 12-2505. This means that each driver involved in the crash can be assigned a percentage of fault, and whatever compensation you receive will be reduced by your share of that fault.

For example, if you’re awarded $10,000 but are found to be 20% responsible for the crash, your payout would be reduced by 20%, leaving you with $8,000.

This rule applies whether you’re the Farm Bureau policyholder or filing a claim against someone insured by them. Insurance adjusters often use this law to argue that you were partly at fault and reduce the amount they offer to cover your losses. That’s why it’s so important to document the scene, get witness statements, and avoid saying anything that might be taken as admitting blame.

Two-Year Deadline to File a Lawsuit

Under A.R.S. § 12-542, you generally have two years from the date of the crash to file a lawsuit for personal injury or wrongful death. If you miss this deadline, you may lose your ability to take legal action, even if your injuries are serious or liability is clear.

This time limit gives insurance companies leverage because if they can stall or delay the process long enough, your claim could expire.

Now that you know how Arizona law applies, here’s what to do right after the crash.

Step 1: Prioritize Safety and Call 911

After a crash:

• Move your vehicle out of traffic if it’s safe
• Call 911 to report injuries or major damage
• Cooperate with the officer at the scene

Even in minor fender benders, it’s smart to call the police. The accident report becomes a vital document in your auto accident claim.

If you’re insured by Farm Bureau, this is one of the first things they’ll ask for. If you’re the injured party filing a third-party claim, having the report helps back up your version of events.

Also, seek medical attention as soon as possible, even if you think you’re fine. Some car accident injuries don’t show up right away, and gaps in treatment can weaken your case.

Step 2: Gather Key Information at the Scene

Whether you’re insured with Farm Bureau or filing against them, collect the following:

• Names and contact information for all drivers and passengers
• Insurance card photos (including Farm Bureau policy number)
• License plates and driver’s licenses
• Photos of vehicle damage, traffic signs, skid marks, and injuries
• Witness names and phone numbers
• Notes about traffic, lighting, and weather conditions

The more details you document now, the easier it will be later to show who was at fault and how the accident affected you. Once you’ve documented the crash and collected evidence, you’re ready to begin the claims process.

Step 3: Start the Farm Bureau Claim Process

You can start your Farm Bureau claim online at fbfs.com/claims-center/auto or by calling the number on your insurance card. If you’re insured with Farm Bureau, you’ll be asked to log in to your online account or mobile app to begin the claims process.

Farm Bureau recommends having the following information ready:

• Date, time, and location of the accident
• Description of what happened
• Photos of the damage
• Contact and insurance details for the other driver(s)
• Police report number (if one was filed)
• Your policy number and contact information

Once the claim is submitted, a claims representative will contact you to review the next steps.

If you’re the injured party and the at-fault driver is insured by Farm Bureau, you don’t need login credentials, but you should still file a third-party claim directly. Don’t wait for the other driver to notify their insurer.

When speaking with the Farm Bureau representative:

• Stick to the facts
• Don’t admit fault or say you “feel fine”
• Decline to give a recorded statement
• Ask for all communication in writing when possible

This approach helps protect your claim and avoids giving the insurance company anything it could use to reduce or deny your compensation. After your claim is submitted, Farm Bureau begins reviewing the facts to decide what they’ll pay, if anything.

Step 4: Cooperate with the Investigation

Farm Bureau will assign an adjuster to evaluate your claim. That process may involve:

• Reviewing police reports and medical records
• Asking for written statements
• Analyzing photos, damage reports, and vehicle estimates
• Looking for inconsistencies in your story

Be aware that adjusters are trained to protect the company’s bottom line. If you say the wrong thing or downplay your injuries, they may use that to lower your payout.

Keep all communication in writing when possible. A Phoenix auto accident lawyer can step in if the adjuster becomes aggressive or starts questioning your treatment. In the meantime, you may be stuck without a working vehicle. Here’s how to manage repairs and rentals.

Repairing Your Vehicle and Getting a Rental

Arizona law allows you to choose your own repair shop, even if Farm Bureau suggests another. You also have the right to a rental car while your vehicle is being repaired—if your policy (or the other driver’s policy) includes rental reimbursement coverage.

Tips for managing repairs and rentals:

• Get multiple repair estimates
• Ask the shop to document hidden or structural damage
• Save every invoice and receipt
• Ask for a written explanation if Farm Bureau won’t approve a charge
• Confirm whether rental coverage is included and for how long
• Keep all rental receipts, including fuel charges and mileage

If your vehicle is totaled, Farm Bureau must pay its fair market value, not what you still owe on the loan. If they lowball you, you have the right to dispute their valuation with your own appraisal or documentation.

What if you were injured in the crash? Medical costs will be another major part of your claim.

Medical Expenses and Injury Claims

When you’re hurt in a crash, your medical bills add up fast. A lawyer for a car accident can help you pursue damages for:

• ER visits, imaging scans, and hospitalization
• Physical therapy, medication, and follow-up visits
• Surgery or long-term treatment
• Lost wages and reduced earning ability
• Pain and suffering or emotional distress
• Transportation and out-of-pocket costs

In catastrophic injuries or permanent disability cases, your claim should reflect lifetime care needs. Most car accident cases settle, but if Farm Bureau’s offer doesn’t match your losses, you may need to go to court. When the investigation wraps up, you can expect Farm Bureau to make an offer, but it may not be enough.

Resolving the Claim

Once the investigation ends, Farm Bureau will typically make a settlement offer. You’re not required to accept it. Before you agree to any payment, ask:

• Does it cover all your medical expenses?
• Have you fully recovered, or do you need more care?
• Does it include compensation for pain and lost income?
• What’s excluded from the offer?

Many accident victims settle too early, only to realize their injuries were worse than they thought. Once you accept a payout, you usually can’t reopen the claim, even if your condition gets worse. Always review the offer with a qualified auto accident attorney before signing anything.

If you’re not the policyholder and are filing against a Farm Bureau driver, expect a tougher process.

What If the At-Fault Driver’s Insurance Is Farm Bureau?

If you’re filing a claim against someone insured by Farm Bureau, be prepared for pushback. Adjusters may:

• Dispute who was at fault
• Say you contributed to the crash
• Challenge your injury timeline
• Offer a settlement that’s too low
• Delay the claim to pressure you into settling

That’s when a legal strategy becomes essential. Your injury law firm can gather witness statements, subpoena medical records, and prepare a wrongful death lawsuit or injury claim that demands full and fair compensation.

Filing a Complaint Against Farm Bureau

If you feel Farm Bureau is handling your claim unfairly, you can file a complaint with the Arizona Department of Insurance and Financial Institutions at difi.az.gov.

Provide:

• Your claim number
• The adjuster’s name
• A summary of what happened
• Copies of communication, medical bills, and repair estimates

The state may open an investigation, especially if Farm Bureau has a pattern of bad faith claim handling. If Farm Bureau won’t budge, you still have options.

What to Do If Your Claim Is Denied or You Receive a Lowball Settlement Offer

If your auto accident claim is denied or undervalued:

• Ask for a written explanation
• Respond with updated documentation
• Submit your medical records, wage documentation, and second opinions
• Request a free case review with a lawyer who understands Phoenix car accident cases

Insurers know most people won’t fight back. But once you bring in a legal team with a proven track record, they may change their tone.

When to Call a Phoenix Car Accident Lawyer

You may need legal representation if:

• Your injuries are long-lasting or life-changing
• You lost a loved one and need to file a wrongful death case
• Farm Bureau refuses to offer a fair settlement
• You’re dealing with complex liability or more than one at-fault party
• You’ve missed work or need future treatment

At this point, your focus should be recovery—not paperwork or negotiating with an insurance adjuster. A Phoenix car accident attorney can step in, take over communication, and build a case for the maximum compensation allowed by law.

At Flynn Greathouse, We Focus Only on Motor Vehicle Accidents

Filing a claim with Farm Bureau after a car accident in Phoenix isn’t always straightforward. Whether you’re dealing with a lowball offer, a denied claim, or confusing next steps, you don’t have to figure it out alone.

At Flynn Greathouse, we represent people across Arizona who’ve been hurt in motor vehicle accidents, including those involving Farm Bureau and other major insurers. Our legal team handles the paperwork, communicates with the insurance company, and builds a strong case for full and fair compensation.

Searching online for “auto accident attorneys near me” or “Phoenix injury lawyer” will turn up a long list of results. But not every firm focuses exclusively on motor vehicle accidents, and not every team is prepared to challenge Farm Bureau or other major insurers.

At Flynn Greathouse, this is all we do.

If Farm Bureau is making your claim harder than it needs to be, Flynn Greathouse is ready to step in.  Call (888) 823-4529(888) 823-4529 today to schedule your free virtual consultation.

We’ll handle everything so you can focus on your recovery!

Copyright © 2025. Flynn Greathouse. All rights reserved.

The information in this blog post (“post”) is provided for general informational purposes only and may not reflect the current law in your jurisdiction. No information in this post should be construed as legal advice from the individual author or the law firm, nor is it intended to be a substitute for legal counsel on any subject matter. No reader of this post should act or refrain from acting based on any information included in or accessible through this post without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue from a lawyer licensed in the recipient’s state, country, or other appropriate licensing jurisdiction.

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Phoenix, AZ 85004
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