Claims - Auto

First, take a deep breath! We will help you manage the claims process. As a Bear River Mutual policyholder, initiate the claims process online. You can also contact your agent, or call our service line to speak with one of our team members. We will ask you questions to gather information about the accident. We

A total loss is when the cost of fixing your car is more than the fair market value of your car. Trained appraisers inspect your vehicle to determine the fair market value. Once an agreement is made on the vehicle valuation, you will sign over the title to Bear River Mutual. Payment will be made

A total loss is when the cost of fixing your car is more than the fair market value of your car. Trained appraisers inspect your vehicle to determine the fair market value. Bear River Mutual will provide payment for the cash value of the loss, minus the deductible, and minus any outstanding loan on the

If rental coverage is included on your vehicle, you will find specific information on your policy document, known as the “AUTOMOBILE INSURANCE DECLARATIONS PAGE.” This will outline the maximum rental charges allowed per day, up to a maximum of 30 days per covered claim. The rental days covered do not need to be consecutive. The

With a Bear River Mutual Policy, you are covered in all US states, territories, and Canada!  File your claim, and your adjuster will guide you through the process, and answer any questions you may have.