How to File a Claim Against American Family Insurance in Los Angeles 2026
You Could Be Leaving Thousands On The Table!
If you have been injured in a car accident in Los Angeles or suffered property damage and the at-fault driver is insured by American Family Insurance, you may need to file a claim against their policy. Unfortunately, American Family Insurance—like many large insurers—has a reputation for delaying, undervaluing, or even denying legitimate claims. Understanding the process of filing a claim against American Family Insurance can help you protect your rights and increase your chances of a fair settlement.
Steps to File Your Claim
Report the Accident
Immediately report the accident to the Los Angeles Police Department (LAPD) or the California Highway Patrol (CHP) if it occurred on a highway. Obtain a copy of the police report—this is critical evidence for your claim.
Notify American Family Insurance Near Me
Contact American Family Insurance’s claims department to report the accident. You can:
- Call their 24/7 claims hotline: 1-800-692-6326
- File online via their website or mobile app.
Gather Documentation
Collect all relevant documents, including:
- Medical records and bills
- Repair estimates for property damage
- Photos of the accident scene, injuries, and vehicle damage
- Witness statements and contact information
- Proof of lost wages (if applicable)
Work with an Adjuster
American Family Insurance will assign a claims adjuster to investigate your case. Be cautious when speaking with them—they may try to minimize your payout. Stick to the facts and avoid giving recorded statements without legal advice.
Negotiate a Settlement
Review any settlement offer carefully. Initial offers are often lower than what you deserve. If the offer is unfair, you can negotiate or seek legal help.
Why Claims Against American Family Insurance Can Be Challenging
American Family Insurance, like many large insurers, prioritizes protecting profits. This can lead to:
- Delays in processing claims to pressure you into accepting a lower settlement.
- Disputing injuries or damages with aggressive tactics.
- Lowball offers that don’t cover your full losses.
- Denying claims without sufficient justification.
When to Consider Suing American Family Insurance
If American Family Insurance refuses to offer a fair settlement, you may need to file a lawsuit. Common reasons include:
- A denied claim without valid justification.
- Unreasonable delays in processing your claim.
- Bad faith practices, such as failing to investigate properly or acting unfairly.
- Settlement offers far below your documented losses.
In California, insurance companies are legally required to act in good faith. If American Family Insurance fails to do so, they can be held accountable in court.
Tips for a Successful Claim
- Keep detailed records of all communications with American Family Insurance.
- Never sign documents or accept payments without reviewing them carefully.
- Avoid giving recorded statements without consulting an attorney.
- Seek prompt medical care to document injuries.
- Consult with a car accident attorney before agreeing to a settlement.
FAQs: Filing a Claim Against American Family Insurance in Los Angeles
How do I start a claim with American Family Insurance? You can file online, use their mobile app, or call their claims hotline. Always report the accident to the police first.
Does American Family Insurance deny valid claims in Los Angeles? Yes, American Family Insurance has a history of denying or undervaluing claims. An attorney can help protect your rights.
How long does it take to settle an American Family Insurance claim? Timelines vary, but many cases take weeks to months. Delays are common if the insurer disputes liability or damages.
Can I sue American Family Insurance for bad faith? Yes. If American Family Insurance acts in bad faith—such as unreasonably delaying, denying, or underpaying your claim—you may sue for additional damages.
Get Help with Your American Family Insurance Claim in Los Angeles
If you’re struggling with an American Family Insurance claim, don’t navigate the process alone. An experienced Los Angeles car accident attorney can guide you, protect your rights, and fight for the compensation you deserve.
Need legal help? Contact a Los Angeles attorney today:
