Indiana requires all its drivers to have car insurance before they hit the road. If you get into an accident, you should have the right to file a claim with a provider like Farmers Insurance Company. How do you use a claim to your advantage, though? When, too, should you negotiate a settlement with Farmers Insurance Company?
The Indiana car accident lawyers with Vaughan & Vaughan know you don’t have to accept an insurance company’s first settlement offer. We can walk you through negotiating for the settlement you deserve. You can count on our team to build your claim with your right to maximized support in mind.
Why Should You Reach Out to Farmers Insurance Company?
It’s in your best interest to contact Farmers Insurance Company as soon as possible after an accident. If you want to benefit from a Farmers Insurance Company claim, you or your attorney must submit a claim for support before time runs out. Most insurance companies, including Farmers Insurance Company, expect you to contact them within 24 hours of your crash.
Farmers Insurance Company can then review your claim and determine your right to financial support. Unfortunately, the initial offer you receive from an insurance claims adjuster may not cover the total value of your car accident losses. You and your attorney may then negotiate for the support you deserve.
Your Case Will Get
The Attention It Deserves
Should You Calculate the Value of Your Accident Settlement Ahead of Time?
You can work with a car accident lawyer to calculate the value of your car accident before you meet with an insurance claims adjuster. An insurance claims adjuster can independently calculate the value of your claim to minimize your losses. You can protect your right to comprehensive support if you perform your own calculations.
We can integrate a range of losses into the accident settlement you request from Farmers Insurance Company, including the following:
Medical Care
You need more than emergency care to recover from a car accident. Even if you think you’re uninjured, you need to work with your general practitioner to address conditions that may develop in the weeks following your crash. Farmers Insurance Company can help pay for your needed services to restore your health.
The insurance company can also help compensate you for temporary or permanent disabilities. You can submit a professional’s medical records to prove your right to accident-related support.
Lost or Reduced Pay
Unfortunately, it’s not always easy to return to work after a car accident. If you’re injured, you need to rest. You may have to wait weeks before you can go back to work. You may not be able to go back to work at all. In these cases, you can ask Farmers Insurance Company to help you compensate for that lost or reduced income.
We recommend that you bring pay stubs to conversations with an attorney and an insurance claims adjuster to emphasize an accident-based reduction in your income.
Property Restoration
You need your car to get to and from work, the grocery store, and around greater Indiana. If you get into an accident that devastates your car, you should receive the financial support to:
- Secure a temporary rental
- Invest in essential repairs
- Replace your vehicle if necessary
Our team can work with local repair shops to ensure we accurately represent the value of your property damage.
Emotional Distress and Accident Stress
Car accidents can force you to endure non-economic losses like emotional distress and stress. Despite their lack of economic value, you can include these losses in your request for support. Our attorneys can calculate a dollar amount to cover your emotional distress before you bring your losses to an insurance claims adjusters’ attention.
What Should You Expect from Settlement Negotiations With Farmers Insurance Company?
We recommend that you approach settlement negotiations with Farmers Insurance Company carefully. You can work with our lawyers to prepare for these conversations so that an insurance claims adjuster can’t wrongfully minimize your right to support. We recommend that you don’t participate in settlement negotiations without legal support.
Your first meeting with an insurance claims adjuster can see you compare your estimate of your case’s value against theirs. Our team can help outline your accident-related losses and back your request for support with evidence. We can step in if an adjuster offers you too little support and arrange a counter-offer.
If Farmers Insurance Company denies your claim after lengthy negotiations, don’t panic. Our team can take the insurance company to court over its bad-faith conduct. We won’t let an insurance company’s unwillingness to compromise make it more difficult for you to get back on your feet.
How Can Farmers Insurance Company Try to Reduce Your Claim?
Unfortunately, Farmers Insurance Company is a business. That business wants to save itself money. The company may make unreasonable attempts to deny the accident claim you bring forward. Its insurance claims adjusters may also engage in bad-faith behaviors like the following:
- Minimize your injuries
- Dismiss your injuries as pre-existing conditions
- Delay settlement negotiations
- Refuse your request for support
If you find yourself struggling to deal with Farmers Insurance Company’s bad faith conduct, let our lawyers know. Vaughan & Vaughan can protect your right to a fair accident settlement. We’re prepared to relentlessly advocate for you in or out of court.
Vaughan & Vaughan Can Advocate for Your Right to a Fair Settlement
You deserve a fair settlement from Farmers Insurance Company. You don’t have to settle for insufficient support. If you’re struggling to deal with an insurance company’s bad-faith behavior, or if you don’t know how to start your claim, call Vaughan & Vaughan. Our personal injury lawyers in Indiana can advocate for you.
You can contact us today to book a conversation with our experienced legal team. We can calculate the value of your recent losses, then help you integrate those losses into a comprehensive insurance claim. You can count on our team to fight for you.
