If my car is totaled, how is value determined?
If repair cost exceeds a certain threshold (commonly ~75% of the vehicle’s actual cash value), it may be declared total. You’d receive the established cash value minus deductible.
What is a deductible?
It’s a dollar amount you are responsible for before the insurer pays the remainder of a covered claim. You select the deductible when purchasing the policy.
What if my auto accident happened outside Kentucky?
KFB assigns an adjuster trained to handle out-of-state claims. They may inspect the vehicle and coordinate with partners across jurisdictions.
Does filing a claim affect my premium or lead to cancellation?
It depends on circumstances. Multiple claims in a short period, or claims under certain conditions (e.g. negligence, high risk) may lead to premium increases or cancellation. Your agent can explain your policy terms.
How do I report a claim after normal business hours?
Use the After-Hours Claims Hotline: 1-866-KFB-CLAIM (1-866-532-2524). It is available Monday through Friday from 4:30 p.m. to 9:00 a.m. (EST) and 24 hours on weekends/holidays.
What types of insurance does Kentucky Farm Bureau offer?
They offer auto, homeowners, farm, commercial, life and specialty coverages to individuals and businesses in Kentucky.
Is Encova a stock or mutual company?
Encova is a mutual company, meaning it is owned by its policyholders rather than shareholders.
What safety services does Encova provide?
Encova offers risk assessments, workplace safety training, fleet safety programs, and online learning resources to reduce workplace accidents.
How can policyholders contact Encova?
They can reach Encova via the toll-free helpline, regional offices, or through their independent insurance agents.
What makes Encova’s workers’ compensation unique?
Encova’s “360° program” provides customized deductible options, return-to-work support, and dedicated claims specialists.