FAQ

What are your hours of operation?

Our normal business hours are Monday – Friday 8:00 a.m. – 4:30 p.m. Central Standard Time.

Your local Farm Bureau office hours may vary; find your local office information here: https://www.fbitn.com/tn/search

Our Customer Service Center is open Monday – Friday 7:00 a.m. – 6:00 p.m. and Saturday 8:00 a.m. – 4:00 p.m., Central Standard Time. Call us toll-free at 877-876-2222.

How much do I owe? Has my payment been received?

You may access your online account anytime for payment and billing information. Also, you may contact your local Farm Bureau office, call our customer service center at 1-877-876-2222 or use the Contact Us form on fbitn.com. Our representatives will respond to messages sent through our contact form within two hours during normal business hours, Monday – Friday 8:-4:30 (CST.)

How do I pay my bill?

You can make a payment for an in force policy online, over the phone at 1-877-876-2222, or in person at your local Farm Bureau office. We accept Visa, MasterCard, Discover or American Express cards.

In addition, you can pay your premiums automatically each month by electronic funds transfer from your checking or savings account or through a recurring credit card payment. If you are interested in these options, call our customer service center at 877-876-2222 or contact your local Farm Bureau office.

My premium is due today. What is the last day I can pay the premium and have no lapse in coverage?

If you have not paid your premium by your due date, we will mail you a notice that includes the last day you may pay your premium and have no lapse in coverage. You may also sign into your online account anytime and check the status of your policy. You can make a payment for an in force policy online or by contacting your local Farm Bureau office or by contacting the customer service center at 877-876-2222.

I would like a copy of my policy.

You may view and download a copy of your policy in your online account, submit a request through the  Contact Us form, call the Customer Service Center at 877-876-2222, or you may send written request to Farm Bureau Insurance, P. O. Box 307, Columbia, TN 38402. A duplicate policy will be mailed to you within a few business days.

Is my policy in force? 

To find out if your policy is still in force, please access your online account. Also, you may send an inquiry using the  Contact Us form on our website. Messages sent through our contact us form will be replied to within two hours during normal business hours, Monday – Friday 8:-4:30 (CST.)

You may also contact your local Farm Bureau office or call our Customer Service Center at 1-877-876-2222.

How can I cancel my policy? 

You may request cancellation of your policy by submitting a request through your online account, by contacting your agent, or by calling the Customer Service Center at 877-876-2222.

How do I reinstate my policy?

Policies cannot be reinstated online. Contact your local Farm Bureau office or give our Customer Service Center a call at 1-877-876-2222 for reinstatement options.

I don’t have an insurance card. How can I get another one?

You may download a card anytime from your online account. You may also request one through email on our online contact page or by calling the customer service center at 877-876-2222.

Do I have coverage for an auto that I might rent on a trip or vacation?

You and your spouse, if a resident of the same household, have coverage extended to an auto you rent on a trip or vacation. Coverage applies only to accident or losses that occur in the United States of America, its territories and possessions, or in Canada. The auto you rent will have the broadest coverage provided for any auto listed on the declaration. When completing the rental agreement, it is very important you list all the individuals that will drive the auto.

Note: Motorcycles, trucks larger than one-ton, and vans with a seating capacity greater than nine passengers are not automatically covered unless a like-kind vehicle is already listed on the declaration. 

I just traded autos. Will I be covered until I can contact my agent?

If the auto you have traded for is titled in your name, the auto you traded for will have the same coverage as the one you traded. Your spouse is covered as well if his or her name is on the title and you both live in the same household.

Be sure to ask us to cover it within 30 days after you acquire ownership.

If the replacement auto is not otherwise afforded comprehensive and/or collision by this policy, and you have comprehensive and/or collision coverage on another auto insured by us, the replacement auto will be extended comprehensive and/or collision coverage for five days after you acquire ownership of the replacement auto. Any comprehensive or collision coverage provided by this situation is subject to a deductible of $500.

You have the sole responsibility to contact us about this. No one else, car dealers or drivers on your policy included, can do this for you. You may also make this auto change online.

NOTE: Motorcycles, trucks larger than one-ton, trailers and vans with a seating capacity greater than nine passengers are not automatically covered unless a like-kind vehicle is already listed on the declaration.

I just bought or leased an additional auto. Will I be covered until I can contact my agent?

If the additional auto is titled in your name, or your spouse's name if he or she is a resident of the same household, the additional auto will have the broadest coverage for any auto listed on your policy, provided:

• We insure all other autos which you own on the date you acquire ownership

And

• You ask us to insure it within 30 days.

If a family member who is a listed driver acquires ownership of an auto during the policy period, the broadest coverage we provide under this policy will be extended to the newly acquired auto. If coverage is extended in this situation, it will apply for five days after acquisition of ownership of the auto by the family member that is listed in the policy. Any comprehensive or collision coverage provided in this situation is subject to a deductible of $500.

You have the sole responsibility to contact us and this responsibility cannot be delegated or assumed by another person such as car dealership personnel. You may also make this auto change in your online account.

Note: Motorcycles, trucks larger than one-ton, trailers, and vans with a seating capacity greater than nine passengers are not automatically covered unless a like-kind vehicle is already listed on the declaration. 

If the insured acquires ownership of a trailer during the policy period and asks TFIC to insure it within 30 days, the trailer has the same coverage as any other trailer listed on the declaration.

If the insured acquires ownership of a trailer during the policy period, asks TFIC to insure it within 30 days, and no other coverage is applicable, the trailer is extended comprehensive and collision subject to a $200 deductible.  

Should I call the police to notify them of an accident, theft or vandalism loss?

Immediately notify the local law enforcement agency in the area where the accident, theft or vandalism occurred to report the incident.

I carry only liability coverage on my automobiles. I had an accident that was not my fault. Can a claims representative contact the responsible party’s insurance company and help me collect my damages?

Our claims representatives will gladly assist with claims when coverage is provided by Tennessee Farmers Insurance Company. However, if we do not provide coverage and have no right of subrogation, our claims representatives are unable to contact the other company on your behalf.

Should I move my vehicle from the scene following an accident?

It is always best to await instructions from the responding authority, but in cases where there are no injuries and only minor property damage, it may be safer to move your vehicle to the shoulder of the roadway while waiting for the authorities to arrive.

Tennessee law says if you are involved in a minor traffic accident on a Tennessee interstate or divided highway, you should move your vehicle off the road as soon as possible.

Signs along urban interstates urge motorists to move their vehicles if they are involved in fender benders. This provision of Tennessee law applies only to accidents that occur on a divided, controlled access or interstate highway.

How do I file a claim?

You may file a claim 24/7 with our claims service center at 1-877-876-2222. 

You may also file a claim at your local Farm Bureau office.

Additionally, you may file a claim through your online account. 

Please be prepared to tell us the cause and date of the loss. All theft and vandalism losses must be reported to the police.

I moved. What do I need to do?

Since moving may affect your coverage, contact an agent at a local office to make the necessary changes on your policy (or policies). Click here to find an office near your new address.

My young driver just has a driving permit. Do I have to add him or her to my policy?

No. Contact your local Farm Bureau office when your young driver gets an intermediate license.