American Family Insurance Injury Settlement Calculator

Sprains and strains range from $5,000 to $35,000; severe traumatic brain injuries range from $500,000 to $5,000,000+. The table separates injuries by treatment and lasting symptoms. Your own uninsured or underinsured motorist claim uses the same injury ranges, up to the coverage limit.

Source: National injury ranges from the injury guides linked in this table, current as of November 10, 2026.

American Family's claims pages do not publish settlement figures by injury as of November 10, 2026. Your injury and treatment put the claim in a range; responsibility for the crash and the available coverage affect the payment.

Sources: American Family, Claims (page data October 17, 2025); American Family, Claims FAQ (page data November 3, 2025); American Family, Bodily injury liability coverage (page data October 8, 2025); American Family, Uninsured motorist coverage (page data June 11, 2026); American Family, Underinsured motorist coverage (page data October 8, 2025)

American Standard and Midvale are American Family Insurance companies, and so are the Main Street America companies listed below. Read the full name on the claim letter, insurance card, or policy before choosing a claims contact. American Family's underwriting page says the policy documents identify the underwriting company.

The Costco program is car insurance sold by American Family to Costco members through the program's site. Its contact page names the two American Family Connect companies and Midvale as underwriters.

The General is no longer part of American Family: the sale to Sentry closed December 31, 2024, according to American Family's history page. The General's claims page now says its products are underwritten by members of the Sentry Insurance Group. American Family's history page records the 2012 purchase of Permanent General Companies, and its 2025 annual report says The General was removed from its consolidated accounts on the sale date. Sentry's January 1, 2025 release valued the transaction at $1.7 billion. The General's legal disclosures name Permanent General Assurance Corporation, Permanent General Assurance Corporation of Ohio, and The General Automobile Insurance Company, Inc.

Similar company names that belong elsewhere

• The NAIC lists American Family Life Assurance Company of Columbus (AFLAC), code 60380, in Columbus, Georgia, with website AFLAC.COM. A letter from that company is not an American Family Insurance claim.
• The NAIC lists American Family Home Insurance Company, code 23450, in Amelia, Ohio, with website WWW.AMIG.COM. Texas's insurance department records 14,068 auto policies for it in 2025, and Oregon's regulator records $1,645,500 of 2025 auto premium. That company also is not American Family Insurance.

The S.I. name and the group's history

Wisconsin's insurance regulator describes American Family Mutual Insurance Company's January 1, 2017 change from a Wisconsin mutual insurance company to a Wisconsin stock insurance company. The regulator's 2016 restructuring page calls the changed company American Family Mutual Insurance Company S.I.; neither that page nor its August 19, 2019 memo spells out the letters.

American Family's history page dates its start as Farmers Mutual Automobile Insurance Company in Madison to October 3, 1927. Homesite joined in 2013, the merger with The Main Street America Group followed in 2018, and the Ameriprise Auto & Home purchase led to the CONNECT name in 2019. American Family's welcome page now says CONNECT is American Family Insurance.

American Family's state coverage page lists 19 states for its agent brand: Illinois, Georgia, Arizona, Washington, Nevada, Oregon, Colorado, Wisconsin, Minnesota, Missouri, Iowa, Kansas, Nebraska, Indiana, Ohio, Utah, Idaho, North Dakota, and South Dakota. American Family's company page describes the group as operating in all 50 states and Washington, D.C. The Costco program and other group companies reach beyond the agent brand; American Family Connect Property and Casualty Insurance Company appears in California and Texas complaint records.

Sources: American Family, Underwriting companies (page data July 13, 2026); American Family, Company information (page data March 12, 2026); NAIC Consumer Insurance Search (company records and complaint index); American Family, Costco program contact page (page data September 4, 2026); Li v. American Family Mutual Insurance Co. S.I., W.D. Wash. No. 2:25-cv-01249-TL, June 26, 2026 (caption only); Homesite home page; American Family, Our history (page data October 17, 2025); American Family Insurance Group, 2025 annual report; Sentry Insurance, news release, January 1, 2025; The General, Legal disclosures (last modified October 29, 2026); American Family, "CONNECT, powered by American Family, is now American Family Insurance!" (page data August 3, 2026); Wisconsin Office of the Commissioner of Insurance, case recommendation memo, August 19, 2019; Wisconsin Office of the Commissioner of Insurance, American Family Mutual restructuring (last updated December 7, 2016); The General, Claims (last modified October 29, 2026); American Family, Car insurance coverages by state (page data March 5, 2026); Texas Department of Insurance, complaint indexes and policy counts (Texas Open Data Portal); Oregon Division of Financial Regulation, Auto Companies 2025 (last modified October 12, 2026); California Department of Insurance, Automobile Complaint Composite Report

Call 1-800-692-6326 to report the injury, or use American Family's guest claim form with the insured driver's last name and policy number. American Family's claims page says the phone line operates 24/7. The guest page requires no American Family account.

On the form, choose "I was involved in an auto incident with someone insured with American Family Insurance." The next screen asks for the insured's last name and policy number. If you do not have them, call. The form tells an attorney representing another insurer's customer to contact American Family to file.

Your adjuster is the person handling the claim; American Family also calls this person a claims representative. American Family's claims FAQ directs customers to MyAmFam, My Account, their agent, or the phone line for claim status and adjuster information. If you are not a customer, use the phone line to follow the claim and ask who is handling it.

As of November 10, 2026, American Family's main claims and contact pages list no claims email or fax. The email and fax above come from the Costco program and Midvale pages; the research found no page assigning them to American Family-brand claims as of November 10, 2026. American Family's claims page reserves "text STORM to 26326 (AMFAM)" for wind and hail damage, not injury claims.

American Family's business claims page gives the same 1-800-692-6326 number for business claims; see the business vehicle injury guide for that kind of crash. Its auto claims page asks for police reports, damage photos, and other official crash records; the police report guide explains how to find the report.

American Family's April 26, 2026 claims article says the process "may involve" a medical release, contact with medical providers, and review of medical records, bills, and proof of lost wages. The article says the process also may involve looking at social media accounts in some cases to confirm details. For the first adjuster call, read the recorded statement guide.

Sources: American Family, Claims (page data October 17, 2025); American Family, File your claim as a guest (page data October 17, 2025); American Family, File a Claim as a Guest (form screens read in a browser, November 10, 2026); American Family, Claims FAQ (page data November 3, 2025); American Family, Contact us (page data May 27, 2025); American Family, Costco program contact page (page data September 4, 2026); American Family, Costco program claims page (page data July 22, 2026); American Family, Midvale claims (page data October 22, 2026); Main Street America, Claims (last modified October 21, 2026); The General, Claims (last modified October 29, 2026); American Family, Car insurance claims (page data July 24, 2026); American Family, Business claims (page data October 17, 2025); American Family, "The car insurance claims process" (April 26, 2026)

The other driver's American Family policy pays up to its coverage limit. Bodily injury liability coverage pays for injuries the insured driver is legally responsible for causing. American Family's coverage page defines the per-person limit this way: "It's the most the coverage will pay for any one person's injuries that you're legally liable for."

Ask in writing for the limits of every policy covering the driver, including an umbrella policy. In its September 20, 2018 consent order, the Minnesota Department of Commerce imposed a $1,500 penalty on American Family Mutual Insurance Company for failing to give a claimant an umbrella policy's coverage and limits and misrepresenting that the policy did not exist. That is a Minnesota order about that company, not a national disclosure rule. Put your request with the documents for a written settlement demand.

Required coverage and the deadline to sue

The minimum coverage required of a driver is below many of the injury ranges on this page. Your claim can therefore exceed the other driver's insurance. The table also gives the statute of limitations, the deadline to file an injury lawsuit, for claims against people and companies.

Sources: California: coverage law, deadline law; Texas: coverage law, deadline law; Illinois: coverage law, deadline law; Georgia: coverage law, deadline law; Arizona: coverage law, deadline law; Washington: coverage law, deadline law; Nevada: coverage law, deadline law; Oregon: coverage law, deadline law; Colorado: coverage law, deadline law; Wisconsin: coverage law, deadline law; Minnesota: coverage law, deadline law; Missouri: coverage law, deadline law; Iowa: coverage law, deadline law; Kansas: coverage law, deadline law; Nebraska: coverage law, deadline law; Indiana: coverage law, deadline law; Ohio: coverage law, deadline law; Utah: coverage law, deadline law; Idaho: coverage law, deadline law; North Dakota: coverage law, deadline law; South Dakota: coverage law, deadline law

California and Texas are included because American Family Connect Property and Casualty Insurance Company appears in their complaint records. The other rows cover the agent-brand states.

Use the state filing-deadline guide to review the deadline and the state fault rules to review how responsibility affects compensation.

Sources: American Family, Bodily injury liability coverage (page data October 8, 2025); Minnesota Department of Commerce, consent order (2018); California Department of Insurance, Automobile Complaint Composite Report; Texas Department of Insurance, complaint indexes and policy counts (Texas Open Data Portal)

American Family's April 27, 2026 bodily injury article says its liability coverage "may help with" compensation for physical pain. As of November 10, 2026, American Family's pages publish no pain-and-suffering formula. Its coverage page describes an injured driver seeking long-term care and suing for pain and suffering.

An older court record about claim valuation

In Illinois, the U.S. District Court for the Northern District of Illinois described American Family Mutual Insurance Company's use of Colossus in its December 8, 2006 order about a claim tried in 2002. The case table below gives the software range, reserve, offer, and verdict. As of November 10, 2026, the research found no later court or regulator record naming Colossus or another injury evaluation program at an American Family company. Read the Colossus settlement software guide for the program itself; this historical case does not establish present use.

What code P0041 refers to on a Washington medical bill review

Washington medical providers alleged that American Family Insurance Company compared personal injury protection (PIP) and medical payments bills against FAIR Health charges for the same procedure and area from July 2012 to July 2016. The Court of Appeals of Washington's 2018 record describes reductions above the database amount marked with explanatory code P0041. For a reader with that code on an American Family Washington bill review, the code identifies that database review.

The settlement administrator reports final approval of the providers' settlement on February 19, 2020 and says all eligible class members have been paid. In a different case involving Liberty Mutual Fire Insurance Company and the same process, the Washington Supreme Court held on February 15, 2024 that "the use of the FAIR Health database is not unfair or unreasonable".

In Washington's 2020 Lock case, the policy required an independent medical exam (IME). American Family Insurance Company's letter also said reductions for treatment it considered unrelated, unnecessary, or unreasonable were open to rebuttal. In Kansas, the U.S. District Court's 2014 findings on American Standard Insurance Company of Wisconsin's 2011 claim handling described written rules to warn its customer about a claim exceeding limits and to answer correspondence within ten days; the court found that the company followed one of the listed guidelines, investigating liability.

How long does an American Family injury claim take?

American Family's claims FAQ says injury payment timing varies: "For vehicle repairs, payment is usually issued within 24-48 hours, once you and your adjuster have agreed on the repairs. For total loss situations and more complex accidents, like those where injuries are involved, the amount of time it takes to receive your check varies."

As of November 10, 2026, American Family's pages give no fixed payment time for an injury claim. The repair-payment statement is not an injury settlement deadline. The settlement timing guide covers the stages of an injury claim.

Sources: American Family, "Bodily injury liability and medical expense coverage" (updated April 27, 2026); American Family, Bodily injury liability coverage (page data October 8, 2025); Bashaw v. American Family Mutual Insurance Co., N.D. Ill. No. 05 C 4014, December 8, 2006; Folweiler Chiropractic, PS v. American Family Insurance Co., Wash. Ct. App. No. 76448-9-I (2018); JND Legal Administration, class action administration case list; Schiff v. Liberty Mutual Fire Insurance Co., Wash. No. 101576-3, February 15, 2024; Lock v. American Family Insurance Co., Wash. Ct. App. No. 79255-5-I, April 6, 2020; Blann v. Rogers (American Standard Insurance Co. of Wisconsin, garnishee), D. Kan. No. 11-2711-CM, May 19, 2014; American Family, Claims FAQ (page data November 3, 2025)

The NAIC's 2025 private passenger auto records put American Family Insurance Company's complaint index at 0.30 and American Family Connect Property and Casualty Insurance Company's at 1.32. The NAIC counts closed, confirmed complaints from state insurance departments. The NAIC's national complaint index is 1.00; an index of 2.00 is twice the level expected for the company's market share.

State reports use different measures. Read the measure beside each figure; an Illinois ratio is not the same measure as a Texas index or Missouri's index.

Sources: NAIC Consumer Insurance Search (company records and complaint index); California Department of Insurance, Automobile Complaint Composite Report; Texas Department of Insurance, complaint indexes and policy counts (Texas Open Data Portal); Illinois Department of Insurance, Consumer Complaints Ratio Report 2025 (last modified June 29, 2026); Indiana Department of Insurance, 2025 Auto Complaint Index (last modified August 12, 2026); Indiana Department of Insurance, company complaint index; Missouri Department of Commerce and Insurance, 2023 complaint index report (last modified November 15, 2024)

Minnesota's Department of Commerce ordered American Family Mutual Insurance Company to stop denying third-party auto claims solely because its insured driver failed to report the crash or cooperate. The Minnesota department's April 13, 2017 consent order followed a review of more than 112 auto claim files and imposed a $25,000 penalty on American Family Mutual Insurance Company. The department alleged those denials; the order says the company had reevaluated and, where appropriate, readjusted claims denied in 2016 because its customer was uncooperative.

Missouri's insurance division recorded a $472,089.84 voluntary forfeiture to the State School Fund in its 2015 order involving American Family Mutual Insurance Company and American Standard. The examination covered January 1, 2005 through December 20, 2008. The division found failures to send 45-day letters, four failures by American Standard to fully disclose medical payments coverage, and failures by American Standard to pay covered funeral expenses.

The Missouri companies agreed to review private passenger auto claims from January 1, 2012 through December 31, 2014 for medical payments denied or left unpaid because of an inadequate investigation. The companies admitted two total-loss items; the other items described here are the division's findings.

Keep your claim number and request a written explanation for a denial or delay. If the claim stalls, send a complaint to the state insurance department. The insurance adjuster negotiation guide covers claim-handling rules by state.

Sources: Minnesota Department of Commerce, consent order, American Family Mutual Insurance Company (2017); Missouri Department of Insurance, American Family market conduct order and stipulation (2015)

The NAIC's 2025 report ranks American Family Insurance Group 10th in private passenger auto, with $5,692,831,919 in direct premiums written and a 1.53% market share. The NAIC report uses filings received by March 18, 2026 and states that “an estimated 98.25% of Property/Casualty filings have been received.”

The NAIC's loss ratio compares losses incurred with premiums earned. Incurred losses include money set aside for claims that have not yet been paid. The NAIC's 2025 commercial auto top 25 does not include American Family Insurance Group.

American Family's 2025 annual report gives $19.5 billion in revenue, and its bodily injury coverage page says it serves over 12 million customers.

Sources: NAIC, 2025 market share report, property and casualty (PDF created March 18, 2026); American Family Insurance Group, 2025 annual report; American Family, Bodily injury liability coverage (page data October 8, 2025)

Courts have allowed claims against American Family companies to proceed, ordered additional contract compensation, and ruled for the insurer. Each row is one case, with its own policy and facts. These amounts are not the injury ranges in the value table.

Failure to settle means the insurer had a chance to resolve the claim within its customer's policy limit, did not do so, and its customer then faced a larger verdict. Bad faith is a claim that an insurer handled its obligations unreasonably or unfairly. Damages is the legal word for compensation for a loss.

The Illinois and Indiana records show offers below policy limits followed by larger jury verdicts; both later claims against the insurer were allowed to go to trial. The Nevada ruling for American Family Mutual Insurance Company shows why a larger later result does not by itself establish a failure to settle.

Sources: American Family Insurance Co. v. Almassud, N.D. Ga. No. 1:16-CV-04023-RWS, order filed September 4, 2019; Bashaw v. American Family Mutual Insurance Co., N.D. Ill. No. 05 C 4014, December 8, 2006; Cordova v. American Family Mutual Insurance Co., 9th Cir. No. 16-15490, November 7, 2017; Kalberer v. American Family Mutual Insurance Co., 9th Cir. No. 14-17220, June 19, 2017; Schreib v. American Family Mutual Insurance Co., W.D. Wash. No. C14-0165JLR, September 3, 2015; Lock v. American Family Insurance Co., Wash. Ct. App. No. 79255-5-I, April 6, 2020; Blann v. Rogers (American Standard Insurance Co. of Wisconsin, garnishee), D. Kan. No. 11-2711-CM, May 19, 2014; same case, order of December 2014; Woodruff v. American Family Mutual Insurance Co., S.D. Ind. No. 1:12-cv-00859-TWP-MJD, May 5, 2014

Your own American Family policy provides the coverages you purchased for medical bills and for crashes caused by uninsured or underinsured drivers. American Family's medical payments page says that coverage helps with crash-related medical or funeral expenses for you and your passengers.

American Family's medical-bills article says, "While medical expense coverage is typically optional, PIP is mandatory in some states but unavailable in others." American Family's uninsured motorist page says 20 states require resident drivers to carry that coverage, and its claims article directs a customer hit by an uninsured at-fault driver to file under their own uninsured motorist coverage.

American Family's underinsured motorist page describes coverage for a driver who caused the crash but lacks enough insurance to cover medical costs in full. Use the underinsured motorist claim guide for the filing steps. The same injury ranges above apply to your uninsured or underinsured motorist claim, subject to your coverage limit.

The single cases in the court table also concern obligations on your own policy. In Washington, Lock's policy required a medical exam, and the appeals court ordered the underinsured motorist verdict reduced by personal injury protection payments. In Nevada, the unpublished Cordova decision allowed contract damages beyond the underinsured motorist limit. In Washington, the Schreib arbitration found damages above what American Family Mutual Insurance Company had called full compensation, and the company then paid its underinsured motorist limit.

If the crash injured you while driving for work, the workers' compensation guide covers that separate claim.

Sources: American Family, Medical payments coverage (page data October 8, 2025); American Family, "Does car insurance cover medical bills?" (updated April 30, 2026); American Family, Uninsured motorist coverage (page data June 11, 2026); American Family, "The car insurance claims process" (April 26, 2026); American Family, Underinsured motorist coverage (page data October 8, 2025); Lock v. American Family Insurance Co., Wash. Ct. App. No. 79255-5-I, April 6, 2020; Cordova v. American Family Mutual Insurance Co., 9th Cir. No. 16-15490, November 7, 2017; Schreib v. American Family Mutual Insurance Co., W.D. Wash. No. C14-0165JLR, September 3, 2015

Collect the other driver's policy details and report the crash through the contact for that company. Keep the claim documents together while you review the injury, available coverage, and filing deadline.

Read how medical improvement affects settlement timing and what to review before accepting the first offer. Use the free AI calculator with attorney review to review the value alongside your treatment and coverage.

Sources: American Family, Car insurance claims (page data July 24, 2026); American Family, Underwriting companies (page data July 13, 2026); American Family, Claims (page data October 17, 2025); American Family, File a Claim as a Guest (form screens read in a browser, November 10, 2026); American Family, Costco program claims page (page data July 22, 2026); American Family, Bodily injury liability coverage (page data October 8, 2025); Minnesota Department of Commerce, consent order (2018); American Family, Medical payments coverage (page data October 8, 2025); American Family, Uninsured motorist coverage (page data June 11, 2026); American Family, Underinsured motorist coverage (page data October 8, 2025)

Sources: American Family, Claims (page data October 17, 2025); American Family, File a Claim as a Guest (form screens read in a browser, November 10, 2026); American Family, Contact us (page data May 27, 2025); American Family, Costco program contact page (page data September 4, 2026); American Family, Costco program claims page (page data July 22, 2026); American Family, Midvale claims (page data October 22, 2026); American Family, Underwriting companies (page data July 13, 2026); American Family, Our history (page data October 17, 2025); The General, Claims (last modified October 29, 2026); American Family, "Bodily injury liability and medical expense coverage" (updated April 27, 2026); Bashaw v. American Family Mutual Insurance Co., N.D. Ill. No. 05 C 4014, December 8, 2006; American Family, Claims FAQ (page data November 3, 2025); NAIC Consumer Insurance Search (company records and complaint index); Minnesota Department of Commerce, consent order, American Family Mutual Insurance Company (2017); Minnesota Department of Commerce, consent order (2018); Hall v. American Family settlement website; JND Legal Administration, class action administration case list; American Family, Underinsured motorist coverage (page data October 8, 2025); American Family, "The car insurance claims process" (April 26, 2026)

Use the free AI calculator with attorney review to see a compensation range for your injury. Include your treatment and policy information so you can review the range alongside the available coverage.