SECRETS of Farmers Insurance Car Accident Claims EXPOSED!
“We know from experience.”
“We know a thing or two because we’ve seen a thing or two.”
What Farmers Insurance wants you to think from its commercials, starring Academy Award-winning actor J.K. Simmons, is that is has enough insurance experience to best help you when you need it. However, Farmers mostly has experience in making money—and they know a thing or two about how NOT to pay claims so they can make even more money!
Farmers Insurance Group has risen to become the third-largest insurance company in the United States, and car insurance is a huge piece of its pie. Millions of people buy car insurance policies through Farmers. Farmers earns billions of dollars in revenue each year—and its success DEFINITELY relies on limiting settlements on claims.
You may think it’s ironic that an insurance company—meant to cover losses—strives to cover as few losses as possible. However, insurance companies have the same goals as any other massive corporation—profits, profits, profits! Farmers is NO DIFFERENT, and you may run into complications, delays, and disappointments when you make a claim with this company. After all, Academy Award winning actors starring in your national television advertising campaigns don’t come cheap.
Our attorneys have been fighting Farmer’s Insurance claims adjusters for years. We know all their tricks, and they know who WE are too. If you are fighting Farmers on a car accident claim, you need a law firm that knows how to beat them at their own game. If you are dealing with Farmer’s Insurance, call us right now for a free consultation at 1-800-898-4877 or to discuss your case for free.
SECRET #1 – Despite Their Advertising, Farmers Insurance is One of the WORST in the U.S.
The American Association for Justice (AAJ) ranked Farmers in its report on the “Ten Worst Insurance Companies in America.” One of the top reasons for this ranking was its participation in schemes to artificially inflate premiums while simultaneously enforcing policies to limit payouts whenever possible.
The report gives an example of a SHAMEFUL denial of a valid auto accident claim by Farmers. A 60-year-old policyholder was in a coma for nine days following a devastating car accident and suffered permanent injuries that required her to use a wheelchair. Farmers, however, denied her any coverage at all, claiming that the accident occurred due to purposeful road rage on the part of another driver and, therefore, would not cover it as an “accident.” This case led to widespread publicity and anger against the company—RIGHTFULLY SO!
SECRET #2 – Farmers Insurance Adjusters Are HIGHLY Motivated NOT to Pay Claims
While the above case may seem outrageous, it’s an example of how Farmers treats its policyholders and claimants. In fact, a few years ago, leaked internal documents EXPOSED the policies of the company. Former employees also testified that they were given specific incentives to limit payouts. The “Quest for Gold” program provided pizza parties and gift certificates to the adjusters who tricked or lied their way into the LOWEST possible payouts on their claims. Employees also received raises and positive evaluations based on their abilities to keep their claim payments rock bottom – no matter how they did it. Emails were sent instructing adjusters to keep settlements low—even for valid claims—and stating that employees would get paid according to their payout records. The less those adjusters pay you, the more they put in their pockets.
Farmers adjusters put PIZZA PARTIES above a car accident victim’s needs!
Texas regulators—among those from many other states—have taken action against Farmers numerous times, alleging violations of consumer protection laws and standards. Despite all of these issues, millions of drivers still carry Farmers auto insurance. This means that many car accident victims will regularly need to deal with the frustrating process of filing claims and seeking compensation from Farmers.
The best way to deal with this company is to retain legal counsel who understands how to protect your rights as a claimant.
SECRET #3 – At Farmers Insurance, A COMPUTER Decides Your Fate!
Every accident victim will have a different experience. Even two people who suffer traumatic brain injuries in car accidents will likely differ in the following:
- Length of time in the hospital
- Medical effects, which may include cognitive, physical, and behavioral impairments
- Time needed for recovery
- Effect of symptoms and impairments on their ability to work
- Types of rehabilitative therapy required
- Permanent disabilities from the brain injuries
- Emotional effects of living with a traumatic brain injury
When determining an insurance settlement, adjusters should evaluate each claim on an individual basis, including the specific short-term and long-term effects of the injury on the car accident victim. A computer program cannot take into account personal details, such as an individual’s PTSD from a car accident or depression as a result of permanent injuries. Car accident injuries are all subjective and unique, and computer programs treat them as objective and one-size-fits-all situations. A computer can NEVER understand your pain—so Farmers shouldn’t use them!
Computer or not, remember that you DO NOT have to accept Farmers’ low offer, nor should you! Quite frankly, before you even speak to a Farmers adjuster, you should IMMEDIATELY contact an auto insurance attorney who knows how this company works before you EVER sign anything!
SECRET #4 – You May Have to File A Lawsuit To Get What You Deserve
When the computer tells the Farmers Insurance adjuster to make a ridiculously low offer, you may need to file a lawsuit against the at-fault driver. While this lawsuit is against the driver, you can bet that Farmers is covering the judgment up to the policy limits. For this reason, Farmers will still very much stay involved in your lawsuit.
One benefit of a lawsuit is that it will force Farmers to realize that a jury will take into consideration the subjective circumstances of your car accident injuries, unlike claim estimation computer programs. Juries also do not have incentives to limit compensation like Farmers Insurance employees have. Juries don’t get “pizza parties” for denying claims. Therefore, Farmers will often want to avoid a trial and may increase a settlement offer once you initiate litigation.
Farmers and similar auto insurance companies DO NOT want claimants to consult with personal injury attorneys. They know that a skilled car accident attorney will inform you of the full value of your claim, advise you when a settlement offer is insufficient, play hardball for a favorable settlement, and file a lawsuit when necessary. These are all important reasons why you should ALWAYS consult with a car accident law firm before you file a claim with Farmers!
SECRET #5—Farmers Insurance Lowballs Its Own Insureds on Uninsured Motorists and PIP Claims As Well
If you are a Farmers policyholder and need to file an uninsured or underinsured motorist claim, or turn in a PIP claim for your medical bills, you may think that Farmers will make the process easier for you because you pay premiums and are their customer. THINK AGAIN. Farmers—like other insurance companies—will often fight against these claims as well. Their profit margins are more important to them than their loyalty to their own customers.
If you were in a hit and run accident or an uninsured driver hit you, you will still need to fight an uphill battle even though you are filing a claim with your own insurer. In some cases, you may even need to file a lawsuit against Farmers if it refuses to offer the full amount of your uninsured motorist claim. Anyone in this situation should seek assistance from an attorney who has experience dealing with Farmers Insurance injury claims.
Consult a Lawyer That Knows How to Fight Farmers Insurance Injury Claim Adjusters
The attorneys of Stewart J. Guss, Attorney at Law are nationally recognized car accident lawyers who have protected the rights of injured car accident victims for more than 20 years. If you were injured in a car wreck and are dealing with a Farmers Insurance claims adjuster, call our office right now to schedule a free consultation! Because we take all of our personal injury cases on a contingent fee basis, you will not owe us a DIME unless we win your case. To schedule your case evaluation, call us today at (800) 898-4877 or .