Good Forms 101: The Accident Claim Form

Filing insurance claims may feel like a confusing or stressful (or both) process for you and your employees, but it doesn’t have to be.

As part of an ongoing series to address common questions about claim forms, here are some solutions for frequently asked questions we hear from employers and employees regarding the accident claim form.

What’s the quickest way to file or check on my claim?

Online! You can file your claim online or through AFmobile^®, our mobile app. You can also check claim status, sign up for notifications, enroll in direct deposit, view policy information, and more. Log in or register for your online account.

What is an Accident?

Our general policy definition of an accident is “a sudden, unexpected, and unintended event, which results in bodily injury, which is independent of disease or bodily infirmity or any other cause.” Please refer to your policy for your state’s specific policy definition. Download your policy document online or contact us to see if your accident qualifies.

Does my claim qualify for benefits?

If you sustained injuries in a covered accident and received treatment for those injuries by a physician, it’s possible. Submit the medical records along with the completed claim form so we may review for applicable benefits.

Does this policy pay my entire bill?

No. Your policy is a limited benefit supplemental policy, which means it provides specific benefits for treatment received for injuries sustained in a covered accident.

Why do I need to complete a claim form?

The claim form helps us identify what account the claim belongs to, allows us to ensure we have updated or complete information, and gives a description of the accident and injuries caused by the accident.

What should I send with the completed claim form?

Office notes and/or medical records from your medical provider. The records should describe the injury and how it happened as well as the treatment plan. We’ll also need office notes for all follow-up visits.

Could I send doctor bills or an explanation of benefits (EOB) from my primary medical insurance provider?

In fact, submitting these documents may result in requests for additional information and, ultimately, delayed benefit payment.

Will the accident policy cover illnesses?

No. The accident policy is for injuries sustained in a covered accident. Treatment for anything other an injury caused by an accident are not covered under the Accident Only policy.

What do I need to do to enroll in direct deposit?

The first page of the claim form includes a section for direct deposit authorization information, but the easiest way to enroll in direct deposit is through your online account. By adding your bank account information, you can ensure benefit payments are deposited directly into your account on file.

If you’re signing up for direct deposit via the form, simply ensure all the information in the section below is completed.

These are just a few of the common questions we hear. You can find more helpful questions/answers and other resources on the accident insurance support page. Your dedicated account manager can always help with questions too!