Frequently Asked Questions

We’ve compiled answers to commonly asked questions to help you find information quickly and easily. If you need additional support, please reach out to your agent or our team is always here to help.

Claims

How do I report a claim?

While reporting a claim through your agent is recommended, you can also report a online, via our mobile apps, or by phone, whichever is most convenient for you.

What should I expect after I file a claim?

A claims representative will review your information, contact you if needed, and guide you through the next steps, including inspection, estimates, and resolution.

Can I choose my own contractor or repair shop?

Yes. You have the right to choose who completes your repairs. We recommend working with trusted, licensed professionals and contacting us before approving additional work.

What is a supplement?

A supplement is an additional repair cost identified after the initial estimate. All supplements must be reviewed and approved by RAM before work is completed.

Billing

What payment options are available?

You can pay your way; online, through our mobile app, with AutoPay, or by phone.

How do I set up automatic payments?

You can enroll in AutoPay through your online account or by contacting our team for assistance.

What should I do if I have a billing question?

Reach out to your agent or contact us directly; we’re happy to help review your account and answer any questions.

Agents

How do I find an agent near me?

Use our Find an Agent tool to locate a trusted, independent agent in your area.

What does an independent agent do?

Independent agents work with you to understand your needs, recommend coverage options, and support you throughout the life of your policy.

Can my agent help me with a claim or billing question?

Yes. Your agent is a great resource and can help guide you or connect you with the right team.

General

What types of insurance does RAM offer?

We offer personal, commercial, farm, and reinsurance solutions designed to protect what matters most.

Where does RAM operate?

RAM serves members across Minnesota and North Dakota through a network of independent agents and member companies.

How do I access my policy documents?

You can view and download your documents anytime by logging into your online account.

Still have questions?

We’re here to help.

Reach out to your agent or contact our team for additional support. We’re happy to assist.