Accident Insurance Support

The fastest way to file an accident insurance claim is through your online account or our mobile app, AFmobile^®.

• Online
  1. Log in to your online account
  2. Click the File a Claim button
  3. Select Insurance Claim
  4. Upload the requested documentation and click the Upload File button
  5. Click the Next button and enter the remaining information 
  6. Check the acknowledgment box and click the Submit button
• AFmobile
  1. Touch the File a Claim button on the AFmobile dashboard
  2. Select the policy you are filing a claim and touch the Choose Files button
  3. Either snap a photo of your documentation and touch the Attach Documents button or upload it from your mobile device and hit Next
  4. Follow the prompts and fill out the required information
  5. Check the acknowledgment box and click on the Submit button
• Fax or Mail
  1. Download and complete an accident claim form here. Please note, paper claim filing is not the fastest option. 

You can download and print a paper claim form here. Please note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.

When filing an accident insurance claim, you will need to provide the following documentation:

• Statement of Insured, completed through your online account or claim form
• Medical records or office notes specific to the treatment of injuries due to your accident

We may also need:

• Authorization to Disclose Information Including PHI: This form gives us authorization to get records from your medical provider(s) and others who may hold information necessary for us to review your claim. Upload the form through your online account, mail it in, or fax it.

Claims are generally processed within seven business days after all required documentation is submitted.

However, your accident policy’s annual wellness benefit may qualify for quick processing. When you submit your wellness benefit claim online or through AFmobile, you can receive payment in as little as one day when enrolled in direct deposit. No extra documentation required.

Learn more about AFQuickClaims^® 

The fastest way to check the status of a claim is through your online account or our mobile app, AFmobile^®.

• Online
  1. Log in to your online account
  2. Click on the Claims tab
• AFmobile
  1. From the AFmobile dashboard, scroll down to Insurance Claims
  2. Once a claim has been processed, find the status of the claim under the insurance policy name

Yes. With many American Fidelity accident plans, you’re covered both on and off the job. As always, be sure to check your policy for details and exclusions, or contact our benefits team.

Unfortunately discharge instructions do not always provide the detailed information needed to determine benefits. Please submit a copy of the complete medical records for all dates of service to avoid potential claim delays.

No. You can submit documentation for the treatment you are receiving now, and continue to send additional documentation as treatment continues until finished. You do not need to wait to submit all documentation at once.

This wellness benefit is payable once per calendar year, per policy (not per person).

This benefit pays a lump sum amount for an annual exam, including immunizations, such as a COVID-19 vaccine or flu shot, and preventive testing. This benefit is not available in all states. Log in to your online account to view your policy details. 

No. The term "emergency" simply refers to the time period that treatment was received. Treatment for injuries sustained in a covered accident must occur within 72 hours following the accident to receive this benefit. This benefit is payable for treatment received in either an emergency room or a physician’s office. 

The benefit amount is determined based on the Schedule of Benefits of your policy, which lists the eligible benefits and flat amounts payable based on the type of treatment you receive. The policy does not pay based on how much you are billed from the doctor or how much you owe for the treatment.

Log in to your online account to view your plan information.

A document that details information about specific plan benefits. You can view your Schedule of Benefits in your policy document through your online account.

This screening benefit is payable once per calendar year, per policy (not per person).

This benefit is payable when a covered individual receives one of the following screenings rendered by a Physician: bone density screening; Epworth Sleepiness Scale for the purpose of diagnosing a sleeping disorder; hemoglobin A1C; routine physical exam; sports physicals; or stress test. Log in to your online account to view your policy details. 

Children may continue to be covered under a parent’s accident policy until age 26.

No. Children may continue to be covered under a parent’s accident policy until age 26 regardless of marital status, student status, and whether they live with you.

Yes. The covered child must contact American Fidelity within 60 days of their 26^th birthday to convert to their own policy with no additional medical questions or underwriting.

Yes. The individual accident base policies are guaranteed renewable for life. As long as you continue to pay required premiums, coverage will continue. 

Learn How to Keep Your Coverage