How to Handle a Car Accident Claim with Farmers
With 85 years of experience and dedication to customer service, Farmers Auto Insurance is one of the leading car insurance providers in the United States. They pride their coverage on convenience, control, guidance, personalized attention, and savings. Farmers has a variety of coverage options ranging from liability, collision, and comprehensive coverage to uninsured motorist coverage and personal injury protection.
Unfortunately, what insurance companies take pride in providing and what they actually deliver are two different things. Far too often, insurance companies try to shortchange policyholders by skirting settlement claims.
What to do After an Accident
When you leave for work in the morning, you’re probably thinking about what you need to get done that day, who will pick up the kids from school, or what you’re cooking for dinner. The last thing on your mind is a car accident. Unfortunately, life is unpredictable and accidents happen. After a collision, it’s important to know how to react and what you need to do.
Start by making sure everyone is okay. Safety comes first, and injuries need to be dealt with promptly. If the event of any serious problem, call 911 for medical attention. After ensuring everyone is okay, it’s important to remain calm. It’s your responsibility to begin documenting the accident for the ensuing claims process. Resist the temptation to apologize, admit fault, or share unnecessary or other potentially incriminating details. You should only discuss the accident with the police once they arrive on the scene.
While you don’t want to discuss the details regarding the accident with other drivers, you do need to exchange information. You’ll need their name, address, contact information, insurance provider, policy number, and other related details. While you are at it, make sure to record the names and phone numbers of any witnesses at the scene. While the police will file an official report with specific details, it doesn’t hurt to do a little documentation on your part. Taking photos, writing down details, and drawing diagrams are all useful practices.
Filing a Claim with Farmers
After leaving the scene of the accident, you will need to report your accident to Farmers and file a claim. Farmers Claims Services can be reached 24 hours a day at 1-800-435-7764. While they will notify you that it’s okay to share details at this point, do so with caution. If you’ve been hurt in the accident, it’s important to speak with a personal injury attorney first. You need to be prepared for the questions that will be asked. The answers you give can potentially hurt your claim, which means potentially less money for your accident. A lawyer will be able to coach you through the process while keeping your best interests in mind, which of course is making sure you are given a fair settlement to pay for your property damage and medical bills. Unfortunately with Farmers Insurance, that is not always the case.
What You Need to Know
While accidents are never expected, they do happen. Regardless of whether you’ve been involved in an accident in the past or you have a clean driving record, it’s important to prepare and know how to respond. By understanding what the claims process looks like, you can ensure the aftermath of an accident is as smooth as possible.
While your insurance company may sound like a helpful friend in the midst of a stressful situation, you can’t always be sure they’re looking out for your interests. Instead, they are often trying to appease shareholders, pinch pennies, and meet a bottom line. Those features are not very appealing when you’re dealing with accident related injuries and damages. Instead of attempting to handle everything on your own, consider reaching out to a personal injury attorney.
Attorney Brian White
If you’ve been hurt in a car accident and need legal representation, contact attorney Brian White today. Mr. White has many years of experience dealing with the insurance companies, keeping them accountable so they pay out fair value of accident claims for the clients he represents. Before contacting Farmers Auto Insurance to file a car accident claim, give Mr. White a call and find out how we can help you. There is never a fee for a consultation. If we handle your case, you pay nothing unless we recover money on your behalf.