Click the "Change" link under Billing Preferences in the Bill Preferences & Automatic Payments section of the Billing page. You must accept the terms and conditions before enrolling in E-Bill. You must enroll each policy in E-Bill separately. Upon enrollment, you will receive an e-mail when you have a new bill and you will no longer receive a paper copy of your Bill Notice.

While paper bills are no longer sent to policyholders who sign up for E-Bill, policy documents such as declarations, cancellation and expiration notices, will still be mailed to your physical billing address. Some of these notices, such as the cancellation and expiration notices, are required to be sent by law.

Any policy on any payment plan can be on E-Bill. The request for a monthly payment plan is two-fold: First, you must register your policy or policies on the NCFB Customer Portal, then your agent, or another staff member in your local NC Farm Bureau office must submit your payment plan request. Both steps are required.

NOTE: If you purchase a new policy with us, you will need to wait until you receive your policy documents in the mail before registering for the Customer Portal. Your declaration and Billing Notice will have the policy number you need to register and enroll in E-Bill.

If you request the monthly payment plan at new business and the policy is not enrolled in E-Bill during the initial policy term, when the policy renews, the monthly payment plan will be discontinued and the policy will be placed on the next available payment plan.

Yes, please see our Privacy Statement for details regarding the efforts that North Carolina Farm Bureau makes to secure your personal information.

A billing notice is a statement of the amount that you owe to NC Farm Bureau Insurance Group for charges related to your insurance coverage. A policy declarations page is part of the insurance policy that provides detailed information such as the insured name, description, location and property covered.

After logging into your Customer Portal account, you can select the View Billing Notices Link in the Quick Actions drop down for the applicable policy. You can also click the View Billing Notices link in the Billing Status section of the Billing page.

Policyholders registered to use the NC Farm Bureau Insurance Customer Portal and enrolled in E-Bill are sent a reminder email five days prior to their billing notice due date if the bill has not yet been paid.

Yes. You can be assured that your electronic payments are safe and reliable. Your payments are protected in the unlikely event of unauthorized transactions or processing delays.

• Do not admit fault.

• Contact the police; especially if injuries have occurred.

• Obtain the other driver’s name, address, phone number, license plate number, Driver License number and insurance information.

• If there are witnesses, and/or occupants of the other vehicle(s) involved, try to get their name and contact information, as well.

• Take detailed pictures of the damage and scene of the accident.

• Jot down relevant details while they are fresh in your memory. For example: note the direction that you were travelling, speed, and lane of each vehicle, etc.

• Report your claim as soon as possible by calling your local Farm Bureau office, entering it via the Claims tab on this website, or by using the NCFB mobile app. If the other driver is at fault, contact their insurance company to file a claim with that company as well.

• A claims adjuster will contact you as soon as possible and will provide you with additional information regarding the claims process.

• If your vehicle has been stolen, contact the police immediately and file a police report.

• If your vehicle is leased or financed, also contact the lender or leasing company.

• Report your claim as soon as possible by calling your local NC Farm Bureau Insurance office, entering it via the Claims tab on this website, or by using the NCFBINS mobile app.

• Renting a vehicle: policyholders with “Other Than Collision” coverage on their personal auto policy have limited coverage for vehicle rental expenses when a covered vehicle is stolen. Policyholders with Extended Transportation Expenses Coverage may also be reimbursed for rental expenses. Review your policy declaration or contact your agent to verify whether you have either of these coverages. There is a 48 hour waiting period for the rental.

• A claims adjuster will contact you as soon as possible and will provide you with additional information regarding the claims process.

Your claims adjuster can advise if estimates are necessary. We may be able to prepare an estimate and work directly with the repair shop of your choice.

• NC Farm Bureau Insurance policyholders with Extended Transportation Expenses Coverage may be reimbursed for rental car expenses when a covered auto becomes non-drivable. This coverage applies if the vehicle is inoperative for at least 24 hours. If you are unsure whether you have this coverage, contact your agent or associate agent.

• If you were not at fault in the accident, contact the other driver’s insurance company for assistance securing a rental vehicle.

• While you may choose any rental car company, NC Farm Bureau Insurance customers often rent vehicles from Enterprise (1-800-736-8222 or www.enterprise.com), or Hertz (1-800-582-7499 or www.rent-cars.com).

• When you rent the vehicle, let them know that an insurance claim is being filed so that you may be charged the appropriate rate.

• If you rent a vehicle before speaking to a claims adjuster, please let the adjuster know once you have been contacted.

No. NC Farm Bureau does not require the use of specific body shops.

Yes. If you have collision coverage, you can file the claim under your own policy with NC Farm Bureau. The claim will be subject to your collision deductible. We will attempt to collect the damages from the at-fault party’s insurance company. If we are successful, your deductible will be reimbursed.

Yes. Your policy requires that you take all necessary steps to protect your property from further damage. Be sure to save receipts for all repairs and give them to your claims adjuster. Take pictures of the damage if it is safe to do so.

Yes. If your home is damaged by a covered and payable loss described in your policy, the policy will pay to remove the tree off the structure and to the ground. Some policies may pay a maximum amount for all trees to be removed from the property of $500. Trees that do not damage covered property, such as leaning tree not touching a building, would not be covered for removal under the policy.

No. Even if belongings appear to be a ‘total loss,’ do not discard them until they have been examined by an adjuster. Prepare a detailed inventory of all damaged or destroyed property and keep a copy of this list for your records. The list should include a description and picture of each item; the quantity of like items if more than one; the place and date of purchase or the approximate age of the item; the cost of the item at the time of purchase; and the estimated replacement cost.

Your policy will pay for reasonable and customary costs of repairs to covered property in your area.

If you feel it is necessary, secure a detailed estimate for permanent repairs from a reliable contractor and give it to the adjuster when he or she arrives. Minor repair estimates should be sent to your agent as they may not require an on-site inspection by a claims adjuster. The estimate should contain detailed specifications of the proposed repairs and the associated cost. You should provide detailed photos of the damage along with the estimate.

Limited coverage for food spoilage may be available under homeowners and farmowners policies that have the “Refrigerated Property Coverage endorsement.” This endorsement carries a separate deductible. If you experience a refrigerated property loss, make a list of all items and take photos prior to disposing of the items. Contact your agent for more information about this coverage.

Yes. If your home is damaged by an event specified in your insurance policy and your home becomes unlivable as a result, you will be compensated for reasonable expenses above your normal living costs while you are away from your home during a reasonable duration of repair. Examples of expenses incurred during this time include but are not limited to housing, meals, and storage. Please note that the loss of electricity and/or water does not qualify your home as unlivable. An exception can be made, however, if someone in the household has a documented medical condition that requires electricity and/or water.

The policy deductible is subtracted from the total cost of covered damages. The balance is subject to any coverage limits outlined in your policy. A separate deductible often applies to specific endorsements such as the Refrigerated Property Coverage Endorsement and the Scheduled Personal Property Endorsement. Some policies have a separate deductible for windstorm/hail losses. For policies written through the North Carolina Insurance Underwriting Association (NCIUA), the windstorm/hail deductible is usually a percentage of the Coverage A limits. (Coverage A in your homeowners policy is for the dwelling.)

• Secure the vehicle as best as you can to prevent further damage.

• Report the claim to 1-800-555-FARM (3276) as soon as possible.

• If you file a claim online after hours or over the weekend, a claims representative will still need to review your submission before it can be approved and processed.

• If you choose to have repairs made prior to speaking with a representative, you will be reimbursed up to the amount normally paid through our agreements with local glass replacement companies. If you pay out of pocket but intend to submit an invoice for reimbursement, let the glass company know that you will be filing a reimbursement claim with NCFB. The shop may offer you our agreed pricing.

Yes, if you need assistance. We use a third party service that can assist you with finding and scheduling a shop to handle your glass repair or replacement.

Most auto glass companies offer mobile repairs. The third party service that we work with can assist you with scheduling a mobile repair or replacement.

Yes. However, you may want to contact the dealership to see whether they do their own glass repair work. Many dealerships subcontract the work to a glass replacement company. If the dealership does not perform its own glass work, we would need to review an estimate. Not all dealerships honor our glass shop pricing and you would be responsible for any difference in price.

No. We work with providers across the state, but do not require the use of specific companies.

Yes. We work with glass companies in all 50 states.

No. In North Carolina, glass replacement falls under Comprehensive Coverage. If there is a deductible on your Comprehensive Coverage, it will apply for a glass claim.

Yes. However if the repair fails, or you decide later to have the windshield replaced, you will be responsible for the deductible at the time of the windshield replacement.

Towing and Labor coverage is available at an additional cost as an endorsement on your personal or business auto policy. Review the current coverages listed on your policy’s declaration page and discuss with your agent or associate agent whether adding Towing and Labor coverage would be beneficial to you.

No. NCFB does not have a Roadside Assistance Program. Towing claims under this coverage are by reimbursement only. You would need to arrange the tow and be reimbursed for it. Be sure to keep your receipt.

Please provide us with a legible copy of your paid invoice. This can be mailed, faxed to 919-647-4725, or emailed to towing.claims@ncfbins.com. Your agent or staff in your local office can also assist with sending this information to the Claims Department. Please include your policy and claim number on all correspondence.

The policy covers one tow per disablement.

No. The policy states that "we will pay towing and labor costs incurred... for towing to the nearest place where necessary repairs can be made."

Yes. However, the payment is limited to the coverage limit you have selected.