Getting into a collision is stressful enough — navigating your insurance claim shouldn’t make it worse. If you have Farmers Insurance and you’re in the San Francisco Bay Area, here’s everything you need to know before you file.

What Does Farmers Auto Insurance Cover?

Farmers auto insurance typically includes:

• Collision coverage — repairs from accidents with other vehicles or objects
• Comprehensive coverage — theft, weather damage, vandalism, fire
• Rental reimbursement — a rental car while your vehicle is being repaired (if added to your policy)
• OEM vs. aftermarket parts — California law requires your insurer to disclose if non-OEM parts are used; you can request OEM parts on newer vehicles

Always review your policy declarations or call Farmers directly to confirm your specific coverage details.

California Law: You Pick Your Shop

Under California Insurance Code Section 758.5, your insurance company cannot require you to use a specific repair facility. Farmers may recommend shops in their preferred network, but the final choice is always yours.

What this means for you:

• You can take your vehicle to any licensed auto body shop in California
• Farmers must work with the shop you select
• Your shop cannot be penalized for being outside the Farmers network

If a Farmers representative suggests you must use a specific shop, know that you have the right to choose — and the law backs you up.

Step-by-Step: Filing a Farmers Collision Claim

• Report the accident — Call Farmers at 1-888-327-6335 or file online at farmers.com
• Get your claim number — You’ll need this when contacting your repair shop
• Choose your shop — Bring your vehicle to EV Central or any licensed Bay Area shop you trust
• Estimate & inspection — Farmers will arrange an inspection or virtual photo estimate
• Repairs begin — Once approved, your shop starts the work
• Pay your deductible — Due directly to the shop at pickup
• Pick up your vehicle — Farmers handles the remaining balance with the shop

We Work With Farmers — and Every Major Carrier

At EV Central, we work with Farmers Insurance and all major carriers every day. Whether you drive a gas, hybrid, or electric vehicle — a Tesla, Honda, Toyota, Ford, or anything else — we handle the claims process so you don’t have to.

Cities we serve: San Francisco, Oakland, Berkeley, San Jose, Fremont, Palo Alto, Daly City, South San Francisco, Hayward, Redwood City, Mountain View, Sunnyvale, Santa Clara, San Mateo, and the greater SF Bay Area.

Ready to Get Started?

📍 718 Bryant St, San Francisco, CA
📞 (415) 881-1845
🌐 evcentralservice.com

Give us a call or stop by — we’ll guide you through the Farmers claim process from start to finish.