Settling a claim

When State Farm® "settles" a claim, we pay a policyholder for a loss or risk subject to the terms and conditions of your policy.

Vehicle claims

  • Call 800-SF-CLAIM (800-732-5246800-732-5246) or contact your agent.
  • We'll pay to repair, replace, or furnish the agreed upon actual cash value of your property, subject to the terms and conditions of your policy.
  • If applicable, check with your lien holder (if you've financed or owe money on a car) about how they handle claim payment; we may be required to protect them as well.
  • Contact your State Farm agent or claim associate with questions.
  • This is only a general description of coverages and is not a statement of contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.

Home + property claims

  • We'll pay to repair or replace your damaged property, subject to the terms and conditions of your policy.
  • If applicable, ask your mortgage company how they handle claim payments. 
  • Check with your State Farm agent or claim associate with questions.

Business claims

  • We'll pay to repair or replace your damaged property, subject to the terms and conditions of your policy.
  • Contact your State Farm agent or claim associate for complete details.