Billing Questions

Who do I contact if I have a question about my bill?

Your Independent Agent should be your first contact for any questions about your policy.  If you are unable to reach your Agent, you may reach our Account Services Department at 908-782-4120, Option 1 and we will be happy to assist you.

What methods of payment do you accept?

We accept checks, e-checks, money orders, Visa/MasterCard/Discover credit cards and Visa/MasterCard debit cards. Payments can be made:

  • Online: Click here to pay online (Recommended)
  • Phone: Call 1-800-842-5032 and Dial 1 for the Account Services Department  weekdays between 8:00 A.M. and 4:00 P.M
  • Mail: Farmers Insurance Company of Flemington, PO Box 452,Three Bridges, NJ 08887

When submitting your payment by mail:

  • Allow at least 7 business days for regular mail
  • Use the return envelope provided with your bill
  • Be sure to put your policy number on your check
  • Do not send cash
  • Be sure to sign your check

How will refunds be handled?

All refunds for cancellations, endorsements, and overpayments will be sent by check to the policyholder via regular mail.

Online Payment Questions

What internet browser do I need?

We actively support Internet Explorer, Firefox and Safari, but most browsers should allow functionality for making payments.

Is paying on-line safe?

Making payments on-line is actually safer and more dependable than paying by mail. This system uses modern encryption technology to ensure that only those approved by you can have access to your confidential information.

Why is my e-mail address required on the payment page?

Your e-mail address is used to send you a confirmation of your payment or notify you of problems processing your payment.

How will I know my payment has been received?

After you have submitted your payment, a confirmation notice appears on the screen as well as one sent to your email address. Initially, your online invoice will display the payment status as “Pending”. Once the transaction has been completed between the financial institutions, your payment status will change to “PAID” – this usually takes no longer than 48 hours.

Is there a fee for making online payments?


Will I have access to past invoices and payment histories?

Yes. For users of our “Pay Now” option, the last 5 invoices and payments will be available; for “Enrolled” users, we maintain 24 months of invoices and payments.

Can I pay any amount?

You can pay the installment amount or the total amount due.

What happens if I make my payment on a weekend or holiday?

Your payment will be processed and posted on the next banking business day.

What occurs if I obtain a message alerting me my payment was not processed?

Successful submissions will be confirmed on the screen and via e-mail. Problems with payment submission will prompt an immediate alert on the screen and you will be informed that your payment did not process. You will be given a reason for the failed submission, i.e., incorrect account information; approval was not obtained from your financial institution, etc. Once you are alerted of the reason for the error, make the necessary correction(s) and resubmit payment. If we receive a chargeback from your financial institution, you will be assessed a $30.00 fee.

Claims Questions

How long will my claim take?

Every claim is unique, and there are many different factors that could affect how long it takes to resolve your claim.  Our goal is to resolve each claim as quickly and efficiently as possible.

What's a Deductible?

A deductible is the amount of money a policyholder must pay out-of-pocket toward damages or a loss before their insurance company will pay for a claim. You do not actually pay your deductible to your insurance company like you would a premium or bill.  If you file a claim and it is covered, the deductible is subtracted from the amount claimed.  For example, say you have a $500 deductible and you file a claim for $10,000. Your insurance company would pay you $9,500 for that claim.

Why is my mortgage company listed as a Payee on my settlement check?

The mortgage company is listed on the building payment because they have a financial interest in your property. Your insurance policy is a contract, that requires us to include your mortgage company’s name on any settlement check involving the building or other structure. Contact your mortgage company to determine what their requirements are for securing their endorsement.

The accident wasn't my fault. Will I have to pay my deductible?

Yes.  You will be responsible for any applicable deductible regardless of who is at fault for the loss.  However, if you are not at fault, we will seek reimbursement from the liable party on your behalf.   This process is called Subrogation.   If we recover any of the damages we paid, you will receive the same proportion of your deductible back.  So, if we recover 100% your full deductible will be refunded to you.

What should I do if I receive notice of a claim against me?

You should report the claim immediately and provide a copy of any documents you have received notifying you of the claim. You should not discuss the circumstances surrounding the claim with anyone other than your attorney or a representative of your insurance company.

Is my claim covered?

Your policy provides you with broad protection against many types of unexpected losses.  The best way to determine if your claim is covered is to read and understand your policy.   If you believe your loss is covered, you should file a claim.  Our Claims Team will investigate the facts surrounding the loss and your specific coverage to determine if your claim is covered.

Is my Homeowners policy the same as a maintenance contract or home warranty?

No.  Homeowners insurance is designed to protect against a wide variety of unexpected losses such as fire, windstorm, or a burglary.  It does not cover maintenance items, or wear and tear.   The best way to understand what your policy covers is to read it carefully.

What if I have an emergency situation and need repairs immediately?

For emergency repairs, like when a water line breaks in your home, you should undertake all reasonable and necessary measures to protect your property from further damage. Save all receipts and invoices for this work and take multiple photographs throughout the process.

If you sustained a serious loss such as a fire, a serious plumbing leak or severe structural damage and you need help with relocation or restoration services, you can reach our after-hours claims emergency center at (866) 631-9153.

Do I need to file a police report?

If you are involved in an accident or are the victim of a crime, you will need to file a police report at the time of the incident. This is particularly helpful for claims involving injury, when multiple parties are involved, or when fault is unclear.   It may be helpful to photograph the scene of a loss so your Claims Adjuster can better assess what happened.

Where do I find information about NJ Personal Injury Protection Claims?

For information regarding your PIP claim, please contact your Independent Agent or your Claim Representative.

A copy of Farmers Insurance Company of Flemington’s Decision Point Review Plan can be found here:  Farmers of Flemington DPR Plan

Our PIP Application can be downloaded here:  PIP Application

An Affidavit of No Insurance is mandatory for anyone other than our Named Insured who wishes to file a PIP claim under our Policy.  It can be downloaded here:  Affidavit of No Insurance

For Medical Providers:
The NJDOBI maintains a library of relevant information and mandatory forms at: PIP Information for Health Care Providers