Car Accidents With Farmers Insurance: Next Steps

When filing a claim with Farmers Insurance Group after a car accident, you may not immediately be aware of the dynamics at play. Large insurance companies are for-profit businesses that seek to maintain their bottom lines for their shareholders, maximizing subscriptions (income) while minimizing claim payouts (expenditures.) 

Once you grasp this equation, you may realize that you are no match when it comes to negotiating with claims adjusters who spend every single day handling claims. By working with a seasoned, experienced personal injury lawyer, such as those at Trust Guss, you can level out the playing field and ensure you receive a settlement offer that is generous and fair after a devastating accident that has left you with extensive injuries. A good car accident attorney will stand in your corner and fight for your rights and best interests to be upheld, going head-to-head with aggressive claims adjusters who may try to blame you for your own collision or minimize your losses.

At Trust Guss, we work on a contingency fee basis, so you never have to spend a penny unless we are successful with your claim. If you have to deal with Farmers Insurance, why not leave the negotiation process to our knowledgeable, skilled legal advocates so you can focus on the healing process at hand. You can get started today with a no-cost, no-obligation consultation.

Common Issues That Can Arise with Farmers Insurance Claims

Large insurance companies deal with thousands of claims each day and typically are not able to give each one the attention it deserves. While estimating property damages can be a simple task, putting a number on the pain and suffering of the victim requires a more nuanced approach that a claims adjuster usually isn’t capable of. Adjusters from the Farmers Insurance Group have been known to act in questionable ways when responding to claims. Below, we will look at a few of them:

• Questioning liability – Farmers Insurance, like most insurance companies, is a for-profit entity that seeks to limit payouts as much as possible to maintain its financial bottom line. Adjusters may argue that someone else not covered by their policy is partially or fully to blame for the accident. They will also try to prove that you caused your own accident, sometimes by taking certain statements you might have made in a recorded call out of context. 
• Disputing your claim – The Farmers adjuster may question your medical documentation, disputing your claim by bringing the following into question:

1. The nature of your injuries
2. The severity of your injuries
3. Whether you had pre-existing conditions
4. Whether certain treatments and medical services were needed
5. The financial costs of your losses

• Presenting you with an insufficient offer – A Farmers claims adjuster will often try to get you to think that their initial offer is the best you can do. They will present you with an offer that is insufficient when it comes to covering your losses, and if you accept it, you could forfeit your ability to recover additional compensation down the road. Do not accept any offers unless your personal injury attorney has reviewed them. In some cases, victims don’t know what their future medical bills might be and can be tempted to accept an offer that doesn’t take into consideration the long-term financial consequences of being out of work and immobile. 

Whether a Farmers claims adjuster is denying your claim, disputing your claim, attempting to reassign liability, or pressuring you to accept an insufficient settlement, our team of car accident lawyers will be there by your side to fight back and demand that justice is served. For over 30 years, we have been making sure that victims and their families receive offers that reflect their true financial needs and accurately address their considerable losses, both economic and non-economic.

Farmers Insurance Uses a Computerized Algorithm to Decide Your Fate

Farmers Insurance Group is one of the many companies that use a computer program known as Colossus to calculate settlements. Unfortunately, the algorithm is not an unbiased independent entity but rather something insurance companies often use to minimize personal injury claims. The computer will analyze medical records and financial statements and then recommend a settlement amount that is often much lower than what a personal injury lawyer would calculate after assessing your damages. 

Colossus is a cold and impersonal way to evaluate what a victim has endured as a result of a devastating car crash. It does not account for the fact that each person will respond to the events of the collision in different ways. The computer program typically fails to assess the following variables:

• The amount of time the victim spends in the hospital
• Cognitive, physical, and behavioral impairments that occur as a result of the accident
• The unique amount of time each victim needs for recovery
• The effects that the impairments may have on the victim’s ability to work
• The types of rehabilitative measures needed
• The emotional effects of living with trauma
• Suffering related to PTSD, anxiety, and depression

What Damages Can Be Recovered From a Farmers Insurance Claim?

There are many factors that can affect your claim and your payouts. By working with an esteemed personal injury lawyer at Trust Guss, you can rest assured that you have the best chance at obtaining the maximum in compensation available to you. If your injuries after a car accident were caused by another person’s negligence or recklessness, you can seek the following damages:

• Current and future medical costs, including those related to hospitalizations, surgeries, doctor’s visits, medications, at-home care, assistive devices, rehabilitation, physical therapy, and more
• Lost wages and loss of future career opportunities
• Property damage, including the cost of repairing or replacing your vehicle
• Pain and suffering
• Emotional distress
• Loss of enjoyment of life
• Loss of consortium
• Wrongful death, including funeral and burial costs

What is the Cost of Hiring a Personal Injury Lawyer to Handle My Farmers Insurance Claim?

Experiencing a serious car accident can drain your bank account. You shouldn’t have to come up with the funds to hire an expensive lawyer on top of everything else. At Trust Guss, we provide a no-cost case evaluation with no obligation. If we take your case, it will be on a contingency fee basis, meaning that you owe no legal fees upfront. Once we are successful with your claim, then we will take a portion of your awards as our payment. When you win, we win. It’s that simple. Thus, you risk nothing by contacting us and getting more information about your rights and potential compensation after a car accident.

Don’t Negotiate With Farmers Insurance on Your Own – Let Our Experienced Car Accident Lawyers Level the Playing Field

With over 1400 five-star reviews and over 30 years in practice, Trust Guss provides outstanding legal representation that can mean the difference between achieving financial security for you and your loved ones and being left to cover the costs for your extensive medical care after sustaining incapacitating injuries. 

We want you to win, not for-profit insurance companies like Farmers. Part of winning means that all your losses have been adequately addressed by an astute legal advocate, not a faceless, impersonal computer program named Colossus! Another part of winning means not being hoodwinked by underhanded tactics companies like Farmers Insurance use to limit, deny, or dispute your claim. 

If our team cannot obtain a generous, fair settlement offer that meets your needs, we will diligently take your case all the way to court in order to ensure justice is served. Call us today to get started with a free case assessment.