A farmers insurance policy covers the risks of crop losses or damage to the land because of weather, animals, diseases or insects. Farmers’ insurance policies are typically sold by the farm. Depending on the area and the type of farm, different policies cover the loss of cattle, pigs, horses, sheep, and poultry or fruit trees.
CALL (888) 474-8098 TO SPEAK FOR FREE WITH EXPERT COLORADO SPRINGS CAR ACCIDENT ATTORNEYS.
Whether you’re picking up the kids from school or driving to work, car accidents can happen when you least expect it. Farmers Insurance is the third largest insurance company in the United States, and millions of people are cover by its auto policies.
Like all insurance companies, Farmers is motivate to pay as little as possible on claims. However, Farmers Insurance has some additional quirks that make it difficult to negotiate a settlement claim. To ensure that you receive a fair settlement, speaking with an attorney who is an experienced negotiator may benefit your case.
If you or a love one needs to negotiate with Farmers Insurance, call Zinda Law Group at (888) 474-8098 for a 100% free case evaluation with our Colorado Springs attorneys.
FILE A CLAIM WITH FARMERS
After a car accident, you need to report the accident to Farmers and file a claim. Farmers can be reached at 1-800-435-7764, 24 hours a day. However, you need to be prepared for the questions that will be asked. If you believe their answers could potentially harm your claim, you should first contact a personal injury attorney for help.
The attorneys at Zinda Law Group can help you prepare by coaching you through the process and reviewing questions that have been asked of our past clients. Be careful what details you share with Farmers at this time, as you want to ensure that you receive a fair settlement to pay for your property damage and medical bills.
EXPECT A LOW OFFER FROM FARMERS
Insurance companies want to make money while paying as little as possible. Farmers Insurance is no exception. Expect a low offer from Farmers the first time, but ask your insurance claims adjuster to justify the offer in writing.
Farmers often use various arguments to justify low offers. They may argue that your medical bills are too high or that your injury already existed before the accident. Even if you have a pre-existing injury, you still have the right to file a claim if you were injure again or if the accident has made your injury worse.
Farmers Insurance can also argue that you did not go to the doctor quickly enough or that you are faking your injuries. You can refute this by seeking medical attention immediately after an accident. However, it is common for some symptoms not to develop for several days. Even if you did not immediately seek medical attention, you can and should file a claim.
YOUR CLAIM IS NOT EVALUATE BY A PERSON
When determining an insurance settlement, a human does not decide what you are entitle to. At Farmers Insurance they use a computer program called Colossus to determine their settlement offers.
The program minimizes and understates personal injury claims by analyzing medical records and financial statements. The accidents are not identical, so the solutions cannot be the same size. A computer program cannot take into account your stress or fear after an accident. Yet Farmers uses the claim amounts generated by their program. With this in mind, it is vital that you negotiate with your claims adjuster. Do not accept the first amount offered. You deserve a fair settlement that takes into account everything you suffered in the accident. Not just what a computer thinks is relevant.
GET HELP FROM OUR COLORADO SPRINGS CAR ACCIDENT LAWYERS
Farmers Insurance is a great company that is no stranger to negotiating claims. They have over 80 years of experience and are masters at making money by minimizing your payments. As a result, it can be difficult to receive the claim you deserve after an accident.
The attorneys at Zinda Law Group know how to navigate the claims process and have helped thousands of clients obtain fair settlements from Farmers Insurance. When you are dealing with a large and experienced company like Farmers, you need a good team. Let us be yours.
Contact us at (888) 474-8098 for a free consultation to learn how we can help you. Meetings with attorneys are available by appointment only.