Farmers Insurance Claims

Fighting Against Bad Faith: Personal Injury Lawsuits Against Farmers Insurance Company

At Kaplan Young Law, we have extensive experience in fighting against Farmers Insurance Company. Our law firm is recognized in Las Vegas, Nevada, for civil litigation cases.

If you or someone you know has suffered a serious injury in a motor vehicle accident in Nevada and is facing challenges with Farmers Insurance, our team is here to assist you. Kaplan Young Law has successfully represented numerous clients in lawsuits against Farmers Insurance. Contact our car accident attorneys to request a free consultation to discuss your legal options.

Farmers Insurance’s Claims Tactics: Unfair Settlements & Denial of Claims

Unfortunately, many customers of Farmers Insurance find themselves having to file lawsuits due to unfair settlement offers or denied claims. Injured victims who suffer from an accident caused by someone insured by Farmers often encounter the same difficulties in obtaining fair compensation for their injuries and losses.

Claims adjusters at significant insurance companies like Farmers Insurance use numerous tactics to quickly settle your case and avoid paying you what you deserve. Sometimes they try to settle the case before receiving all of the surgeries, medical treatments, and rehabilitation that you need. By doing this, they can avoid paying you the full cost of your medical treatment. For this reason, it is wise to wait to settle your case until you know or have a better idea about how your medical condition will affect you going forward.

Understanding Farmers Insurance Group

Farmers Group, Inc., based in Woodland Hills, California, is the US subsidiary of Zurich Financial Services. It is one of the leading property/casualty insurance companies in the country, along with its affiliated companies such as Farmers Insurance Exchange, Truck Insurance Exchange, and Fire Insurance Exchange. Farmers also owns Farmers New World Life Insurance and specialty insurer Foremost Insurance, the company has almost 50,000 independent agents nationwide.

While every insurance company has its quirks regarding how they handle the claims process, they all follow the same general steps. These include:

  • Assigning an adjuster or representative to the case
  • Investigating what happened, gathering evidence, and determining liability

As a part of this second step, the Farmers insurance adjuster may ask to speak with you. You do not have to give a recorded statement – in fact, you should not give one without approval from your attorney.

If the Farmers adjuster determines that their policyholder caused the car accident in Las Vegas, NV, they will:

  • Collect information about your injuries and losses
  • Enter this information into a computer system
  • Evaluate the value of your case based on estimates provided by the computer system

This value will be used to make a settlement offer, so it’s crucial to know the true worth of your case for fair compensation. While a cash offer of thousands of dollars may seem fair, it’s important to ensure that it covers your medical expenses, future treatments, lost wages, property damage, intangible losses, and more.

The smart choice is to work with a personal injury attorney who will accurately assess the value of your case and represent your interests throughout the claims process. They can negotiate a counter-offer to the initial settlement number and advocate for a more appropriate amount based on the harm you’ve suffered.

Contacting Your Insurer About Your Car Accident

In most insurance policies, the policyholder must promptly contact their own insurance company to report the car accident in Las Vegas, NV. If you have Farmers coverage, you have three options to do this:

  • Call them anytime, as they have a 24/7 helpline
  • Get in touch with your local agent
  • Submit your claim online

Remember, when providing information about the accident, only share the basic facts and never admit fault. If you have an attorney, they can handle this on your behalf. They can also guide you on filing claims based on any collision or medical care coverage you may have through Farmers.

If you haven’t sustained injuries and only have property damage, you may consider letting Farmers assess your vehicle and handle the repairs under your collision policy. You will need to pay a deductible, but the insurer will seek reimbursement of their payment and your deductible from the other driver’s insurance company through a process called subrogation.

You Might Need to File a Lawsuit for a Fair Compensation

In some situations, it may appear challenging to negotiate a fair settlement with Farmers or any other car insurance company. If you are working with an attorney, they will discuss your case with you and explain your legal options.

Often, suing the at-fault driver and/or other responsible parties may be the best course of action. This doesn’t necessarily mean you have to go to trial or appear in court. However, filing a lawsuit can potentially lead to a better settlement offer, especially when:

  • The insurance adjuster rejects a fair and reasonable settlement
  • Farmers places blame on you or partially on you for the accident
  • The insurer delays the process, hoping you miss the deadline to file a lawsuit

The deadlines for filing a lawsuit vary by state and can be as short as one year after the accident.

When dealing with Farmers Insurance, it is crucial to have experienced legal representation to fight against bad faith practices. Our team at Kaplan Young Law is dedicated to protecting the rights of our clients and ensuring they receive the compensation they are entitled to. Contact us today for a free legal consultation to discuss your case.