Negotiating against a low ball Farmers Insurance settlement offer Injured? Lawyer up before you sign a check.

Farmers Insurance Settlement Payout Process:

  1. Farmers Insurance claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 435-7764.
  2. Claim time limit: Most states have strict yet complex statute of limitations rules such as “you must bring a claim within 3 years of the date of discovery of the injury”. It’s complicated. Act fast - the insurance company will.
  3. Repair shops: Farmers Insurance requests insurance customers to use a Farmers-approved auto repair facility. However, this suggestion serves only to save the insurance company money. In reality, you can go wherever you want for repair service. Tell your insurance company your favorite auto shop will do the work.
  4. Settlement negotiation: Insurance companies like Farmers Insurance Insurance Association have teams of professionals dedicated to limiting or denying your settlement amount offered and paid out. For small claims not involving injury, you might want a lawyer for property damage or a bad faith insurance claim. If you were injured, a personal injury lawyer can help you assess all damages. 
  5. Reviews for Farmers Insurance Insurance Association: Farmers Insurance Google Review page

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How can I get a higher settlement from my Farmers Insurance Claim?

Farmers Insurance is probably best known for the tweedy curator of the “Hall of Claims” in their TV commercials, which feature some of the more unusual claims Farmers Insurance has covered. Besides auto insurance, Farmers Insurance offers coverage for motorcycles, recreational vehicles, property, pets and, of course, life insurance.

The car insurance injury attorneys of Warshafsky Law have extensive experience negotiating with large insurance companies like Geico, KemperAllstate or USAA Insurance to secure the highest possible settlements. We have attorneys on staff who have worked for insurance companies in the past, so we know exactly how insurance companies operate and are well prepared to deal with their tactics.

Even less threatening injuries like whiplash can mean weeks of rehabilitation therapy, added bills, inability to work, etc. If you think the settlement is unfair, it probably is! Our top-rated attorneys can help you make a counteroffer and keep the insurance company from lowballing you again.

The initial settlement offer is only an offer, and almost always as low as possible. Do not accept the first settlement amount. Hire an aggressive personal injury lawyer.

If your injury occurred while on workplace property, while using workplace vehicles, or while carrying out duties of your job, schedule a free consult with our workman's comp lawyers to discuss the true value of your case.

Injured? it is about the money®

How do I get my Farmers settlement check?

After being in an auto accident, you’ll need to file a claim with the insurance company. After reviewing all the information they’ve gathered, Farmers Insurance will decide how much they’re willing to pay on your claim. Typically, they’ll send a check for what they deem is reasonable. More often than not, an insurance company’s understanding of “reasonable” falls far short of what anyone else would consider reasonable.

Factors affecting your Farmers payout

Once you’ve filed a claim for your accident, Farmers Insurance assigns one of their liability examiners (aka “claims adjusters”) to your case. They will present themselves to you as a “claim representative.” Regardless of job title, this person’s job is to gather information about your accident in order to evaluate your claim. This information will come from:

  • Pictures and measurements taken at the accident scene
  • Police reports and statements from witnesses and passengers
  • Various repair estimates
  • Anything you say

If your first reaction seeing the check was “Is this all they’re willing to cover?” then don’t cash the check. The check they send is essentially an offer of settlement, and not necessarily a final offer. It CAN be negotiated. If you cash it or deposit it, though, you’re barred from any further negotiation on the settlement amount.

DIY Personal injury claims: handling a Farmers insurance claim on your own

Usually, the first thing a claims adjuster does to gather information on your claim is contact you by telephone. If you’ve never filed a claim before and dealt with claims adjusters, you need to be aware of the risks involved in handling it on your own. We’d suggest you read up on the most common insurance company tactics used to minimize your settlement.

If you’re asked to sign a medical authorization form giving the insurance company access to your medical records, don’t do so without consulting a lawyer first. These forms are often worded to allow the insurance company unfettered access to your personal medical history. A common tactic is to look for any medical issue they can use to dispute your claim. A good personal injury attorney can advise you on which medical records are appropriate to share with an insurance company.

Be careful what you say

Although the person who contacts you may come across as a genuinely nice person who just wants to help you get everything squared away, his/her loyalties are to Farmers Insurance—not you. Any misstatement from you, however inadvertent, gives the adjuster ammo to dispute or even deny your claim altogether. Be careful what you say, and NEVER say anything that implicates you as being partially at fault for the accident.

The phone call you get from the insurance company is a critical part of the claims process and will probably be recorded, so you need to be prepared. If you get a call shortly after filing your claim and you don’t feel like you’re ready yet, simply tell the adjuster this isn’t a good time to talk and ask for a number where you can call them back. You’re not obligated to speak to them right when they call, so just politely request to speak with them later.

Document your contacts with Farmers Insurance

It’s a good idea to follow up every phone conversation you have with Farmers Insurance with a short letter or email outlining what the insurance company told you they would be doing to settle your claim. Keep copies of your letters and emails, as this may be useful if the insurance company later changes their tune on what they’re going to do to settle your claim or starts giving you a runaround on your claim.

Be prepared to prove fault or lack of fault

In cases where another driver was clearly at fault for the accident, handling a claim by yourself goes easier. If there’s any question about who was to blame for the accident, however, you can expect a fight from the insurance company. The determination of liability is a critical factor in a personal injury claim,  so be prepared to fend off any allegation that you contributed to the accident in any way.

It’s you vs them… a lot of them

The rep you speak with on the phone isn’t the only person you’re up against when negotiating an injury claim. Like all big insurance companies, Farmers Insurance has hundreds of lawyers with all kinds of devious strategies to minimize payouts on claims. As many policyholders have found out, your years of being a loyal customer means nothing to an insurance company when money is on the line.

When you’re going up against a big insurance company on your own, be prepared to get the runaround on everything. One of their favorite tactics is to drag their feet on your claim to the point you’re shut out of taking legal action against them due to the Statute of Limitations. In Wisconsin, you have three years from the date of an accident to file suit against an insurance company. Can they really drag out your claim that long? They most certainly can, and they most certainly do.

Keep your eye on the calendar

Filing a suit against an insurance company is the one nuclear weapon you have in the claim negotiation process. If they manage to string you along past the three-year point, you’re shut out of taking any legal action against them by the Statute of Limitations and you’ll be stuck with whatever woefully inadequate settlement offer they make.

Don’t settle for less

Insurance companies are known for making the claims process difficult and lengthy. They do this in the hope you’ll capitulate and accept their lowball settlement just to get it over with. Don’t let them get away with it.

How to negotiate against a lowball settlement offer

The stress and aggravation of dealing with insurance companies is why most injury accident victims hire an experienced personal injury lawyer at some point in the process. Here are some tips to increase your odds of getting a fair settlement.

1. Keep your cool.

It can be maddening to get the runaround from an insurance company, but it behooves you to resist the temptation to show your anger and frustration. Stay calm and polite, and if you’re not making progress ask if there’s a supervisor you could speak with.

2. Be prepared.

If you’re contesting a settlement offer, it’s not enough to simply say the insurance company’s offer is too low. You need detailed information on the expenses you’re seeking reimbursement for. In addition to all your documented expenses, you can also ask for reimbursement for pain and suffering. This is best done with photos of your injuries (the more disturbing, the better), pain meds you’ve been prescribed, and statements/notes from your doctor, physical therapist, and chiropractor. If the settlement offer for your car repair or replacement is inadequate, you’ll need documentation to support what you believe the car’s actual value is, or what repairs will actually cost.

3. Document all your expenses

In addition to medical bills, out-of-pocket costs for your appointments, physical therapy, and chiropractic care, you should keep records and receipts for your car repair costs, transportation to and from medical appointments and income lost by not being able to work. If your injury requires continued medical care, future expenses can be included in your claim, too. Ask your doctor to outline the ongoing care you’re likely to need.

4. Consult a personal injury attorney.

Virtually all personal injury law firms offer a free initial legal consultation, so don’t be shy about taking advantage of it. Even if you think you’re going to handle your claim on your own, it doesn’t hurt to get the opinion of an experienced attorney. The attorney you meet with will be able to tell you if the settlement you’re seeking is reasonable or not.

5. Hire a personal injury attorney

When you’re represented by an attorney, it instantly becomes more difficult for an insurance company to play games with you. Your life becomes less stressful, too, since all dealings with the insurance company have to be handled by your attorney. Best of all, an experienced personal injury attorney will help you secure a much larger settlement than you would on your own, and in most cases much sooner.

Knowing what your claim is worth: Farmers Insurance settlement amounts

There are plenty of personal injury law firms waiting to take your case. Beware, though. Most personal injury firms are all too willing to cut a deal with insurance companies—a deal that usually gives accident victims the short end of the stick. These “sign and settle” law firms are more interested in getting their cut of the loot and moving on to the next case as quickly as possible than they are in seeing you fully compensated. Most have never even set foot in a courtroom, so insurance companies know they can weasel their way into a lowball settlement with these law firms.

Warshafsky Law is different. When we take on a case, we prepare it from day one to go to trial. Why? Because when an insurance company faces the prospect of unlimited liability in a court proceeding, along with the expense of a trial and all the bad publicity that goes with it, settling your claim for the amount you’re asking suddenly seems like the more prudent choice. If their offer is reasonable, we settle. If it’s not, we take them to court.

Insurance companies value your claim by the law firm representing you. With Warshafsky Law handling your case, you will get every dollar you’re entitled to. Wondering how you’ll pay for an attorney when you’re drowning in medical bills? You won’t! We take cases on a contingency basis, so you won’t owe us anything until you have been fully compensated. If we don’t win your case, our No-Win, No-Fee policy ensures you don’t owe us a thing.

Contact our personal injury law firm for a free case appraisal on no-win-no-fee legal representation.

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