Claims - General

The required timeframe for filing a claim varies depending on the type of policy you have and the nature of the claim. Review your policy documents to understand the specific timelines for filing a claim. We recommend filing soon as possible following the incident to report your claim and discuss next steps. The earlier you

Yes, your deductible always applies, even if you are not at fault. However, if the other party accepts liability, their insurance will cover the cost of your damages including your deductible. You have the option to file a claim through the at-fault driver’s insurance company, or file through your policy at Bear River Mutual. If

The time it takes to get your payment depends on the specifics of your claim. However, in most cases, once an agreed-upon cost or settlement has been reached, the payment process is completed quickly.

If you find yourself facing a lawsuit from the other party involved in the incident, contact your claims adjuster immediately. There are specific deadlines for responding to a filed suit. Your adjuster is an experienced professionals who can guide you through the necessary steps and provide you with advice on how to proceed.

If you have concernts regarding your settlement amount, communicate with your claims adjuster. They are there to listen, and work with you, to reach a fair and accurate estimate. They can explain the process and methodology of the settlement offer, and the experts involved. We want you to be satisfied and value your input throughout