Claims Center
AFR insurance is proud of our fast and fair claims service.
24 Hour Claim Reporting Online or by Phone
Online reporting is the fastest way to file a claim. If the claim involves an uninhabitable home or extensive water damage (excluding flood water), please report the loss via phone at 1-800-324-7771, option "3" for Claims.
File a Claim by Phone
For Existing Claims
Call 1-800-324-7771, option "3" for Claims.
The assigned adjuster is the best person to speak to regarding a claim. Contact the adjuster if you have their information or call 1-800-324-7771, option "3" for Claims, for further assistance.
Our Promise
AFR Insurance is dedicated to getting you back on your feet with as little stress and difficulty as possible. Rest assured, we will do everything we can to handle your claim with urgency and fairness.
General Claim Process
Contact
Shortly after you file your claim, you should expect a phone call from your adjuster. They will discuss the loss, gather information, and explain the claim process in greater detail.
Investigation
The adjuster will review your policy and applicable coverages. Depending on the claim, your adjuster may elect to meet with you to gather more information and evaluate the damage. Your adjuster will keep you updated during the investigation.
Evaluation
If your loss is covered, your adjuster will determine the value of your loss.
Payment
If the value of your loss exceeds your deductible, you will receive a check in the mail.
check out our customer kudos
Everything especially reports break down and make sure we was ok.
Very respectful and helpful. Awesome costumer service.
Was able to get our SUV back fairly quickly and good as new.
The rental car was very helpful in making our doctors appointments and personal needs.
You were patient with me but also quick and with your service.
And above all, super kind and supportive 😀
Common Courtesy,
Superior Professionalism, Honest Recommendations, Honest Suggestions, Very Compassionate, Precisely On Time, Extremely Helpful Is an Understatement As Well, Thank You!
Adjuster was efficient,
knowledgeable and made certain we understood all steps of claim process.
Taken care of my problems,
working with me to be satisfied
Auto FAQ
Generally, an adjuster will contact you within one business day. Significant storm events could create delays.
Please contact the Claims Customer Service Department for further assistance at 405-218-5817, M-F 8:00 a.m. - 4:45 p.m., excluding Holidays or email claimsmail@afrmic.com.
If you elected to include rental coverage in your policy, we will set up a rental vehicle while your damages are being evaluated. *Subject to policy terms and conditions.
A deductible is the part of the covered loss that you owe. Typically, you pay your deductible along with the insurance proceeds directly to your auto repair shop after the repairs are complete.
If your vehicle is an apparent total loss, please remove your personal belongings and license plate from the vehicle. The adjuster will request that you release the vehicle to be moved to a salvage yard.
Your adjuster will review your claim and determine if an inspection is necessary. In many cases, your claim can be handled over the phone. If an inspection is necessary, your adjuster will contact you to discuss a suitable time to inspect the vehicle.
No, you don't need to obtain an estimate. If you choose to get an estimate, please advise the shop that this is related to an insurance claim. You will want to provide the estimate to your adjuster.
If a shop determines that a supplement for damage is needed for items not seen on the initial repair estimate, the shop should call the adjuster. They will determine whether the supplements are warranted and covered under your insurance policy.
Please contact your lienholder and let them know that you have a claim check that needs to be processed. The company will provide instructions on their endorsement process for insurance checks.
Prior claim history and other factors determine if a claim will affect your premiums. Check with your AFR agent to determine your specific situation.
What to do if you have an auto accident
- Do not leave the scene of the accident, unless it is to get out of the way of oncoming traffic.
- Notify police or highway patrol immediately from the scene of the accident.
- Do not admit fault or discuss the accident with anyone except the police or an authorized representative of AFR Insurance.
- Verify insurance coverage by presenting the insurance verification card to the other party and the investigating officer.
- Obtain the names, addresses, phone numbers, license plate numbers and the other party's insurance company name, address, phone number, and policy number.
- Document when and where the accident occurred and take photos.
- Call your AFRMIC agent, the AFR Claims Department at 800-324-7771, or fill out our online Claims forms as soon as possible to report the loss.
roadside assistance FAQ
The insured should contact a service provider that meets their needs and pay for the service provided and then submit a Roadside Assistance Reimbursement Claim. Claims will be reimbursed based on the terms of the Private Passenger Automobile Policy and PA-3505 endorsement.
You're already on the correct page, just scroll up, and then click on the Roadside Assistance Reimbursement Form or contact your local AFR Agent.
*Note: A copy of the paid service bill/invoice is necessary for claim processing.
Covered emergency means a disablement that is a result of:
a) Mechanical or electrical breakdown;
b) Battery failure;
c) Insufficient supply of fuel, oil, water or other fluid;
d) Flat tire;
e) Lock-out; or
f) Entrapment in snow, mud, water or sand.
The PA-3505 Roadside Assistance Reimbursement endorsement has a limit of 3 disablements per auto policy period. Additionally, only one service is covered per disablement.
a) An “owned automobile” or a “non-owned automobile”, other than a trailer, that is one ton or less;
b) that is covered under PART III—PHYSICAL DAMAGE; and
c) has become disabled due to a covered emergency.
a) Yes, if the policy date is effective on or after 10/9/2023, the vehicle must have comprehensive/collision coverage for roadside assistance reimbursement coverage with maximum reimbursement up to $100.00.
b) No, if the policy effective date is prior to 10/9/2023, vehicles with liability only and/or comprehensive/collision coverage will have roadside reimbursement coverage with maximum reimbursement up to $50.00.
Property FAQ
How much coverage do I need?
Determining the right amount of coverage may seem like a daunting task but with the experience of our local agents in your community, they'll help you find the right coverage. Whether it's for your home, auto, farm or life, AFR Insurance is prepared to help you.
Find an AFR agent today and start exploring the coverage options that best fits your needs!
Generally, an adjuster will contact you within one business day. Significant storm events could create delays.
Please contact the Claims Customer Service Department for further assistance at 405-218-5817, M-F 8:00 a.m. - 4:45 p.m., excluding Holidays or email claimsmail@afrmic.com.
A deductible is the part of the covered loss that you owe. Typically, you pay your deductible along with the insurance proceeds directly to your contractor after the repairs are complete.
Yes, your policy requires that you protect any covered property from additional damage due to a covered loss. Please take photos to document the damage and save the receipt for reasonable emergency or temporary repair.
If your policy covers Additional Living Expense and your residence is uninhabitable due to a covered loss, we will reimburse you for reasonable increased costs needed to maintain your normal standard of living. This might include: hotel bills, meals if unable to prepare them in your home, etc. Please check your policy or consult with your agent for additional information if necessary.
Depending on the nature of your claim, it may be handled by phone or require physical inspection. If a physical inspection is required, your adjuster will contact you to discuss an appropriate time to conduct the inspection.
After inspection, the adjuster may be able to provide your estimate onsite. If not, you should expect to receive your estimate within 7-10 business days.
Depreciation is the reduction in value of an item or material due to their age and wear and tear.
If your policy has replacement cost coverage, you can make a claim to recover the depreciation within 2 years of the date of loss. To claim recoverable depreciation: submit itemized bills, invoices and/or receipts to your adjuster for completed repairs. Once reviewed, payment for eligible expenses will be released, not to exceed the actual cost to repair.
Please have your contractor discuss any differences with the adjuster.
Contact your adjuster as soon as possible so we can determine if the additional damage is covered and if an additional inspection is needed.
If your policy provides coverage for damaged personal property, you will need to make a list for your adjuster and keep the property for the adjuster to inspect. Include as much information as possible, including brand name, serial number, model number, purchase date/age, and original price paid. Also, indicate if the item can be repaired.
Please contact your mortgage company and let them know that you have a claim check that needs to be processed. The mortgage company will provide instructions on their endorsement process for insurance checks.
Please send the check back to us at PO Box 24000 Oklahoma City, OK 73124 with VOID written across the front with a note of the new mortgage company's name. If you have a document to show the change, please send a copy with the check. Also, let your agent know so they can update the policy.
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