Claims FAQ

If you think someone may be committing insurance fraud, please call our fraud line at 989-652-8471 or email us at clms.siu@fmins.com so we can put a stop to it. You can also submit an anonymous tip online.

Claim documents can be submitted via email to ficlaims@fmins.com or by fax to 989-652-6231. When submitting documents, include your claim number or policy number in the subject line or on a cover sheet.

Let us know by filing a claim immediately. You will need to submit a copy of the lawsuit and provide details such as the date you were served and the method of service (e.g., in person, by mail). We’ll review the lawsuit and your insurance policy, and then we’ll investigate to see if you’re covered.

Generally, only one estimate is needed. If you are in Michigan or Ohio, estimates are not required if you select a Frankenmuth auto direct repair shop. You can take your car to an ADRP collision shop to begin repairs, getting you back on the road as soon as possible. Some vehicles may be eligible for photo-based estimates. Your adjuster will go over the best option for your situation.

Notify us right away by filing a claim. Tow yards charge storage fees daily, so we’ll want to get it moved as soon as possible. If your vehicle is a total loss, you will be required to remove all your personal items and your license plate immediately.

Either contact your agent to help you file the claim or file the claim yourself. Make sure you have the following information available:

1. Valid policyholder email address
2. Valid policyholder mobile phone number
3. Amount of towing and labor service
4. A copy of the towing and labor service receipt

You will receive two emails as part of the automatic claim process. One email will provide you with your claim number, and the second email will allow you to select your preferred method of payment for the automatically processed claim.

An automatic payment will be processed to the primary named insured only. The primary insured’s name can be checked by looking at the name displayed in the “Draft Made Payable” field.

Generally, no. The deductible on an auto claim only applies if the entire windshield is replaced. Please contact your agent with any questions. Before having any glass repaired or replaced, report an auto glass claim online or call 800-234-4433 to report by phone.

A deductible may apply if you purchased a coordinated policy and one of the following occurs: You are on Medicare or Medicaid, your primary group health carrier is a self-funded qualifying ERISA plan, or your primary group health policy contains an auto claim exclusion.

Please notify the police and contact us by filing a claim immediately.

Notify us immediately by filing a claim, and then take all reasonable measures to protect your property from further damage, as required by your policy.

Yes. We will pay the reasonable cost to remove the tree from your home. Your policy also provides coverage for repairs to your home and limited coverage to remove the fallen trees from the premises. Please notify us by filing a home insurance claim immediately.

Yes. The deductible applies on a per-claim basis. If multiple claims occur in a year, a deductible applies each time a separate claim takes place.

Please ask your employer to complete a report of injury form and notify us by filing a claim within 24 hours of the injury. In partnership with Medcor, Frankenmuth Insurance offers an injury triage service for workers compensation policyholders. The service gives supervisors and injured employees immediate access to trained healthcare professionals at no additional cost. If the injury is potentially life-threatening, call 911 immediately. For non-life-threatening injuries, your supervisor can call 833-833-1934 for triage service. If a supervisor is not available, an injured employee can call directly. For more information, please review our injury triage resources.

No. Workers compensation benefits are nontaxable.

To report a claim with Patriot Life Insurance Company, please contact us by phone at 844-847-0793. Please be prepared to have the following information ready:

1. Your policy number, which begins with “LIF” followed by a seven-digit number.
2. The issue date of policy.
3. The date of death.
4. Beneficiary name(s) and contact information (including phone number, email address, and mailing address).

Claim documents and instructions for additional information will be mailed to the beneficiary/beneficiaries You can contact your independent agent to help you through this process. The below documents will need to be sent to Patriot Life Insurance Company:

1. A certified copy of the death certificate that includes the state seal.
2. Notarized/witnessed copies of the completed claim document and IRS W-9 forms for each beneficiary.
3. Additional information may be required if the claim is within the two-year contestability term.

Claim documents and instructions will be sent directly to any named beneficiaries for additional information needed.

To process the claim for payment, please provide an original death certificate with the state seal on it.

Each beneficiary will need to provide their own notarized/witnessed copy of the completed claim form and an IRS W-9 Form.

If the claim is within the 2-year contestability term, additional information may be required.

Completed documents can be mailed to:

Patriot Life Insurance Company
4964 University Parkway, Suite 203
Winston-Salem, NC 27106