Find the answers you’re looking for.

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.

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.

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.

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.