File an Insurance Claim with William Tuttle Agency
Take a breath. We’ve got this.
William Tuttle Agency helps clients in Owatonna and across Minnesota file auto, home, and business insurance claims. Call (507) 451-1168 during business hours and a licensed agent will start the claim with you and stay on it until it is resolved. After hours, the 24/7 carrier claim lines below take your first call.
Claims are why insurance exists. We will walk you through every step, advocate on your behalf with the carrier, and answer the phone when you need us most.
Need to file an insurance claim? If anyone is hurt, call 911 first. Then call William Tuttle Agency in Owatonna, MN at (507) 451-1168 during business hours — Monday through Friday, 8:00a to 5:00p — and we will start the claim with you and stay involved until it is resolved. After hours, call your carrier's 24/7 claim line: Farmers 1-800-435-7764, Bristol West 1-800-274-7865, Foremost 1-800-527-3907, or Progressive 1-800-776-4737.
What should you do first?
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Make sure everyone is safe
If anyone is injured, call 911 immediately. Move to a safe location. Property can be replaced; people cannot.
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Document what happened
Photos of the damage, license plates, the other party's information, the police report number, and the time and location. The more documentation, the smoother the claim.
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Call us or the carrier
Call our office at (507) 451-1168 during business hours. After hours, call the 24/7 claim line for your carrier below. Either way, we will be involved.
Twenty-four hours. Seven days.
Farmers Insurance
Auto, home, life, and commercial claims. 24/7 claim reporting.
1-800-435-7764Progressive
Auto, motorcycle, and recreational vehicle claims. 24/7 reporting.
1-800-776-4737Not sure which carrier?
Call our office. We will identify your carrier, dispatch the claim, and stay on the line.
(507) 451-1168Prefer to email us?
Send the details to our office and we will begin the claim with you.
Contact the officeWhat should you do after a car accident?
Check for injuries and call 911 if anyone is hurt. Move to a safe spot, exchange information with the other driver, photograph the vehicles, the plates, and the scene, and ask the responding officer for the police report number. Then call us first — before you accept a quick settlement or pick a repair shop, we will walk you through how the claim will actually run, and we advocate for you with the carrier from the first call.
Minnesota is a no-fault state, so your own Personal Injury Protection coverage pays first for medical bills and lost wages, no matter who caused the crash. How that works is covered in Minnesota no-fault insurance, explained. For the full step-by-step at the scene and after, read What to do after a car accident in Minnesota.
What about hail or roof damage?
Southern Minnesota is hail country. After a storm, note the date and photograph what you can see safely from the ground — dented gutters, downspouts, window screens, and siding are the telltale signs. Then call us first, before signing anything with a door-knocking contractor. We will help you decide whether what you are seeing is worth a claim, and if the carrier's inspection misses something, we push back on your behalf.
The full process — including the mistakes that cost homeowners money — is in Hail damage roof claims in southern Minnesota. Winter losses work differently; see Ice dams and home insurance in Minnesota.
We work for you.
If your claim is delayed, denied, or underpaid, we engage the carrier on your behalf. That is not a courtesy. It is the entire reason an agent exists.
Claim questions, answered.
Should I call my agent or the carrier claims line?
During business hours — Monday through Friday, 8:00a to 5:00p — call our office at (507) 451-1168. We will start the claim with you, or dispatch it to the carrier and stay on the line. After hours, call your carrier's 24/7 claim line directly, then let us know the next business day. Either way, we get involved and follow the claim through.
What should I document after an accident or loss?
Photos of the damage from several angles, plus the date, time, and location. For an auto accident, add the other driver's name, insurance information, and license plate, and the police report number. For home or property claims, photograph everything before you clean up, take reasonable steps to prevent further damage, and keep receipts for any emergency repairs.
Will filing a claim raise my rate?
It depends. Some claims affect your price at renewal and others do not — the outcome varies with the type of claim, who was at fault, your claim history, and how the carrier rates it. We cannot promise either way, but we will talk through the situation honestly before you file, so you can weigh the claim against your deductible.
How long does a claim take?
It varies with the type of loss. A straightforward auto glass or minor collision claim may wrap up in days, while a claim involving injuries, a total loss, or major storm damage can take considerably longer. The carrier assigns an adjuster and sets the timeline. If things stall, that is when we engage the carrier on your behalf.
Know the process before you need it.
Ready When You Are
Let's get you a real quote.
One licensed local agent, more than twenty carriers, and no obligation either way.