Find the answers you’re looking for.

My car was hit by another party - should I file a claim with Toggle or pursue damages through the other party's insurance?

It can sometimes be difficult recovering damages from the at-fault party; they may believe that they're not at fault – or they may not have auto insurance. So, by filing a claim with Toggle, we may be able to help you recover your costs – including your deductible – from the at-fault party's insurance company.

How do I request Emergency Roadside Assistance?

If you're on the road and need assistance, you can log in to your account, select your Auto policy and Please visit the Get Help Now link under Roadside Assistance on our website. Note that Towing and Road Service is an optional coverage. If you have questions about the coverage on your policy, our licensed representatives are available via chat (Monday - Friday from 9am to 10pm EST; Saturday from 10am to 9pm EST) and via email after hours.

How long will it take to handle my claim?

It depends on how complex the claim is, how serious the damages or injuries are, and how willing other involved parties are to cooperate. Farmers claims representatives always work toward prompt resolution of every claim. If a claim requires follow-up work, we'll be there with you every step of the way. And, if your claim has been closed and additional damage or injuries are identified later, we'll reopen the claim and determine if your policy provides coverage for the additional expense.

What do I need in order to show proof of ownership for stolen or damaged property?

In order to prove your ownership of property you have claimed to be stolen or damaged, we may ask you to provide purchase receipts; owner’s manuals or product packaging; appraisals; and/or photographs of the item(s) in your home, subject to investigation.

How can I file a claim? How do claims work?

If you’re insured with Toggle, log into your online account and go to the Claims page to submit a claims form for review. If you’re not insured with us, but are making a claim against someone who is, you can notify us by visiting our website ( and clicking on 'Claims' at the top of the page. After entering some basic information, a claims adjuster will reach to you either by phone, email, or chat (whichever you prefer). They will likely ask for more details about the loss to help them process the claim. Note: all claims are subject to the policy limits you selected, your policy deductible when applicable, and other terms and conditions.

What if I don't have all the information about my loss right now? Should I wait to file a claim?

It’s important that you give us notice as soon as possible after your loss or damage. If you discover additional information later on that might help your Toggle claims representative process your claim, please provide it to them at that point. We can even reopen a claim after it has been closed if at a later time you obtain information that might result in additional payment to you.

Do I need to file a police report for property damage or loss due to theft?

Yes, reporting losses and/or damage to the appropriate authorities is required by your policy. We recommend filing a police report immediately any time you experience an auto accident, theft, or vandalism to your property. Check out the Duties After Loss section of your Toggle policy documents for additional details about what you should do after loss or damage to your property.

What documentation do you need from me? Do I need to take an inventory?

Once you’ve filed a claim, your claims adjuster will let you know of any specific information they need that will assist in settling the claim. It’s always a good idea to keep receipts for any expensive items you may purchase, or have a digital inventory of the items you own, either by taking photos or a video of your stuff.

How do I know if my claim will be covered?

A good place to start is by reviewing your policy. Our licensed representatives are also available via chat (Monday - Friday from 9am to 10pm EST, Saturday from 10am to 9pm EST) or email after hours to help you understand what coverage you've purchased and how it applies to your particular claim.

How will I get paid for a claim?

Toggle is a fully digital company - therefore, we aim to pay for claims electronically whenever possible.