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​Farm Bureau Member's Choice Personal Auto Premium Refund

Frequently Asked Questions

Updated May 22, 2020

Why is Farm Bureau Financial Services offering this refund? 

Our client/members are driving less, and we have seen fewer claims, so we want to give back some of the premium paid.

Who qualifies for the refund? 

Client/members with a Farm Bureau Member’s Choice policy with personal auto coverage between March 14, 2020 and May 31, 2020 are eligible for the refund.

Farm Bureau Member's Choice policies underwritten by either Farm Bureau Property & Casualty Insurance Company or Western Agricultural Insurance Company can qualify.

What vehicle types are eligible for the refund? 

The following vehicle types are eligible for refund: 

  • Private passenger autos and light trucks
  • Farm utility vehicles
  • Antiques
  • Classics
  • Farm trucks
  • Farm truck tractors
  • Named non-owner coverage
  • Motorcycles
  • ATVs
  • Motorhomes
  • Trailers
  • Snowmobiles
  • Golf carts

How much is the refund and how was that amount determined?

We will refund 15% of Farm Bureau Member’s Choice personal auto premiums to policyholders. Refunds are being calculated for the period of March 14, 2020 through May 31, 2020. As a mutua

l company, our focus is on our members. We’re committed to doing what’s right for them while also maintaining our position of financial strength to ensure we can deliver on our promises when the unexpected occurs. Amounts will vary based on a number of factors such as number of vehicles insured, and amount of personal auto premium paid during the calculated period.  

How will I receive the refund?

Refunds will be applied in the following ways:

  1. Client/members with an outstanding balance or upcoming installment set to invoice through July 9, 2020 will receive a credit applied to the outstanding amount.
  2. Client/members with no account balance or those with a next installment set to invoice after July 9, 2020 will receive a refund based on their recent methods of payment. Those paying via EFT (e.g., automatic withdrawal, credit card) in the last 12 months will receive their credit electronically.  Those paying by paper check will receive a paper check in the mail. 
  3. Client/members in New Mexico will receive either a check or ACH refund, credit and debit card payments will be refunded as checks. This is due to a regulatory requirement in that state. 

When can I expect to receive my refund? 

Refunds will be distributed pending state regulatory approval.  In general, client/members with an upcoming invoice will see their credit applied on invoices dated June 10, 2020 through July 9, 2020. In rare instances, credits may be applied to invoices later than July 9.  Most client/members with no account balance or those with a next installment set to invoice after July 9, 2020, will receive their refund by mid-July. 

Do I need to take any action?

No, client/members do not need to take any action to receive the refund. 

I am an essential worker and still need to drive, will I still receive the refund? 

Yes, all Farm Bureau Member’s Choice policies with personal auto coverage will be credited with a refund, regardless of actual driving habits.  

Are Farm Bureau Financial Services associates eligible for the refund? 

Yes, any Farm Bureau employee who has a Farm Bureau Member’s Choice policy with personal auto coverage is eligible for the refund. 

If I have multiple automobiles on one policy, do they each qualify?

Your Farm Bureau Member’s Choice policy is a packaged policy combining premium for multiple autos into one. The refund is calculated using your total amount of personal auto premium paid. 

What if I started, ended or changed my policy between March 14, 2020 and May 31, 2020?

The refund applies to policies that were active between March 14 and May 31, 2020. If you added, ended or changed your policy during that timeframe, your refund amount will be calculated to align with the coverage you had in place during that time. Please be aware that in some cases refunds on these policies may be delivered later than mid-July. 

If the pandemic continues will I receive additional refunds? 

We will continue to monitor and assess ways that we can lessen the burden brought on by COVID-19.

Will I receive a refund on my commercial auto premium? 

No, our premium refund program does not apply to commercial auto premium paid.