What to Expect in an 18-Wheeler Accident Claim with Farmers Insurance
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Accidents involving 18-wheelers are a very common and very dangerous event. Although many trucking companies have policies and regulations in place to prevent the frequency of trucking accidents, there is no dispute that these types of collisions still occur far too often.
One carrier that insures 18-wheeler trucking companies is the well-known Farmers Insurance Group. Although the company promotes itself as being dedicated to ensuring customer convenience and savings, this clever marketing strategy does not necessarily translate to customer satisfaction.
If you or a loved one has been hurt or injured in a wreck with an 18-wheeler and need help dealing with Farmers Insurance, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our truck accident attorneys.
Farmers Is More Concerned About Its Bottom Line
Like other insurance companies, Farmers stays profitable by receiving more money in premiums than it pays out in claims. This means that Farmers will look for ways to minimize the value of your claim. This applies not only to automobile accidents between private individuals but also to automobile accidents involving 18-wheelers.
Learning about the process Farmers uses to handle 18-wheeler claims can relieve some of the stress and hassle when it comes to dealing with insurance companies after an accident. Understanding this process and knowing what tactics Farmers uses in evaluating your claim can be very helpful when it comes to dealing with Farmers Insurance.
The Injury Claim Process
After being injured in an accident with an 18-wheeler, you may have to file a claim with Farmers if the company insures the at-fault individual or entity, or if you have personal coverage through a policy with Farmers.
You can file a claim with Farmers by phone at 1-800-435-7764, online at www.farmers.com/claims, or by calling your personal agent if you have a policy with Farmers.
The claim filing process will require you provide information regarding the accident that led to your injury, including the date and time of the accident, the location of the accident, and any resulting injuries or damages.
It may be in your best interest to consider consulting with an experienced truck accident attorney before sharing the details of your injury with Farmers. This is because the answers that you provide when filing a claim could end up hurting the overall value of your claim.
A skilled trucking attorney will be able to provide you with helpful guidance regarding trucking laws and will be able to guide you through this question-and-answer process in order to maximize your chances at receiving a fair settlement.
Handling Your Claim
After your injury claim has been filed, a Farmers investigator or adjuster will be assigned to your case. The adjuster will be responsible for investigating the facts and circumstances regarding the accident that led to your injury.
For instance, the adjuster may interview any witnesses or other individuals who were involved in the wreck, conduct a physical inspection of your vehicle, or review any relevant documentation such as police reports.
Once he or she is done investigating, the adjuster will propose an initial settlement offer based on the assessment of your damages and injuries. Farmers often uses complex formulas to come up with monetary values that are supposed to correspond to these losses.
However, it is important to realize that these formulas are designed to lower the amount of your claim. This occurs because Farmers may fail to take into consideration such important factors as your stress, emotional trauma, and inability to participate in activities that you used to enjoy.
Because these strategies and tactics used by Farmers and its adjusters are made to keep the company profitable, it is possible that you will receive a settlement offer below the actual value of your claim. If this happens, you may want to consider consulting with a skilled and experienced truck accident attorney who can provide you with valuable information and tips regarding the negotiation of your settlement offer.
Consulting with an Attorney
Before taking matters into your own hands after an accident with an 18-wheeler, you should be aware that trucking accidents often pose difficult legal challenges. Complex legal issues such as causation, multiple at-fault parties, insurance disputes, and labor laws make trucking accident claims very different from claims involving two private parties.
Hiring an attorney with years of experience in dealing with trucking companies and insurance companies can be a very beneficial strategy. This is because an attorney can provide you with resources that would otherwise be hard to come by.
For instance, an attorney may have the opportunity to thoroughly investigate the cause and circumstances of an accident. An attorney can also get access to important documents maintained by trucking companies, such as driver logs and policy statements. These documents can be critical in proving that the trucking company was at fault for your accident.
Above all, an attorney will be able to provide you with valuable guidance. An attorney who handles 18-wheeler accidents and who deals with insurance companies on a daily basis will know more about trucking and insurance laws than the average person will. This knowledge may end up being the reason for receiving the fair compensation that you deserve.
Our 18-Wheeler Accident Attorneys Can Help
At Zinda Law Group, our attorneys are experienced in handling accident claims involving 18-wheelers. Our dedicated team has the knowledge and resources to help you navigate the Farmers claim process and will work tirelessly to assist you in seeking the compensation you deserve.
Our firm also believes that an injury victim should never have to worry about being able to afford legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we win your case. That’s our No Fee Guarantee.
If you would like to speak with a truck accident lawyer or to learn more about the Farmers injury claim process, call Zinda Law Group at (800) 863-5312 to receive your free case evaluation.
Meetings with attorneys are by appointment only.