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In most cases, going through the claims process with an insurance company like Farmers Insurance is sufficient when seeking compensation.
However, some accident victims may need to take things a step further by filing a lawsuit against the at-fault motorist or the insurance company to get the settlement they need and deserve.
If you feel that your claim hasn’t been handled properly or you didn’t get a fair settlement offer from your Farmers insurance claim, reach out to a car accident attorney today. They can help you understand your rights and whether taking the company to court is in your best interest.
There are several factors to consider when suing Farmers insurance for a car accident claim or personal injury claim.
To start, your lawsuit will be impacted by the state you live in and whether it is a fault or no-fault state.
If you live in a no-fault state, you will likely file a lawsuit against your own insurance company. In fault states, you can sue the insurance provider of the at-fault driver or the at-fault party directly.
If you’re unsure of the laws in your state pertaining to filing a lawsuit for an auto accident, consider working with a personal injury lawyer, or car accident lawyer, to ensure you fully understand the requirements.
Suing Farmers Insurance is not the same as filing an auto insurance claim.
Filing a car accident claim is the first step you’ll want to take after an accident. This step involves submitting evidence related to the value of your claim, such as property damage reports, for evaluation by an insurance adjuster.
Once the claims adjuster reviews your claim and the evidence that accompanies it, they will determine the settlement amount Farmers will pay out to you. If this is a fair amount, you’ll receive payment and the claim will be closed.
However, if the settlement amount is unfair, or if Farmers Insurance Company refuses to process your claim, you may want to seek legal advice to learn whether taking them to court is the right option.
In most personal injury cases against an insurance company like Farmers, the claimant is filing a lawsuit after either being denied compensation or the company acting in bad faith.
It’s important to note that most cases reach settlements outside of court. However, some victims will need to sue to get the compensation they deserve.
A lawsuit may be necessary if the insurance company that’s handling your claim acts in bad faith.
Examples of bad faith when working with an auto insurance company on a claim include:
There are a few different types of lawsuits that can be brought against Farmers Insurance for auto accident cases. Your legal representation can help you determine which type is most appropriate for your unique case.
The most common lawsuits in these types of legal filings include:
There are a number of factors that can directly impact filing a lawsuit against an insurance company and the outcome of the lawsuit.
Some of the most important factors include:
The following are the steps you will need to take when suing Farmers Insurance following a car accident.
The first step to take after a car accident is to get in contact with an experienced personal injury attorney, also called a car accident attorney or lawyer.
They can help you gather all the information needed for your insurance claim and work with you to ensure you understand what’s going on.
After securing an attorney and compiling the accident information and claim documents, you or your attorney can file a claim with your insurance company. This claim must be filed before a lawsuit can be brought against Farmers Insurance or the liable party.
As part of the claims process, your lawyer will work with the insurance company to negotiate a fair settlement based on the value of your claim.
If a fair settlement cannot be reached, or the insurance company acted in bad faith or denied your claim, you may wish to file a lawsuit against the insurance group.
Your legal team can help you determine if this step is in your best interest and give you an idea of what the outcome may be.
There are a few key pieces of documentation and information that play a crucial role in the insurance claims process.
Some of the most important information to have when suing Farmers Insurance includes:
Most car insurance companies, like Farmers, offer several coverage options for private auto insurance. The type of insurance both you and the at-fault driver have at the time of the accident can impact your lawsuit.
Common types of coverage offered typically include:
Each state has its own statute of limitations pertaining to the length of time you have to file a lawsuit in a personal injury or auto accident case.
For example, in California and Texas, the statute of limitations is two years from the date of the accident. This means that victims must file both their insurance claim and lawsuit within this time period.
If you do not submit a lawsuit against Farmers Insurance within your state’s statute of limitations, you risk being disqualified from seeking compensation.
The average auto accident settlement in the United States ranges between $20,000 and $25,000.
This amount is dependent on a variety of factors and can vary greatly from case to case. For example, if your accident resulted in major property damage and/or injuries, you’d likely receive a larger settlement than if damage and injuries were minor.
Damages are the legal term for the losses you suffered in a car crash. Several types of damages can be included in a car accident lawsuit. The type and severity of damages will impact the compensation you qualify for and potentially receive.
Common damages seen in Farmers Insurance auto accident lawsuits include:
U.S. News and World Report gave Farmers Insurance four out of five stars and reported that most claimants with Farmers policies are satisfied with their claims resolutions.
Additional information related to Farmer Insurance auto insurance includes:
If your auto insurance claim has been handled unfairly or you were denied compensation by Farmers Insurance, consider working with an experienced auto accident attorney.
Your attorney can help you determine if suing Farmers Insurance is in your best interest and can act on your behalf throughout the legal process.
Reach out to LegalFinders today to get connected with the best car accident attorney for your case. We thoroughly vet each lawyer and law firm we recommend, so you can trust you’ll only receive the most reliable and competent recommendation for your situation.
The following are frequently asked questions related to Farmers Insurance car accident lawsuits.
To get a car accident settlement with Farmers insurance, you will need to start a lawsuit first. Settlements happen during the negotiations process.
If you work with a knowledgeable car accident lawyer, they can file your claim and fight for a fair settlement offer.
According to a study done by U.S. News and World Report, Farmers was rated as number three out of all major auto insurance companies for claims handling.
Car insurance claims should take no longer than 30 days to pay out. However, if you need to start a personal injury lawsuit against Farmers to seek compensation, this process may take several months to resolve.
Working with a lawyer can help ensure the process stays on track and your claim is not dismissed or ignored.
Farmers Insurance. “Contact Us.” Retrieved from: https://www.farmers.com/contact-us/.
U.S. News and World Report. “Farmers Car Insurance Review for 2023.” Retrieved from: https://www.usnews.com/insurance/auto/farmers-car-insurance-review.