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Chicago Farmers Insurance Car Accident Claim Lawyer

Are you looking for legal representation to negotiate an acceptable settlement with Farmers Insurance after being injured in an auto accident with a Farmers Insurance insured? The Chicago car accident attorneys at Rosenfeld Injury Lawyers LLC recommend that you not sign anything or give any statements before talking with an experienced law firm.

Let us negotiate on your behalf without you paying any upfront costs. We have years of experience resolving Chicago motor vehicle injury cases to ensure our clients receive full financial compensation for their injuries. Contact us today at (888) 424-5757 to schedule a free case review. Let our legal team provide you with numerous legal options to proceed during our no-obligation claim evaluation.

Farmers Insurance Car Accident Injury FAQs

Below are some frequently asked questions related to auto injury claims with Farmers Insurance. We appreciate that you may have additional questions about your situation, we welcome you to contact our Chicago, IL car accident attorneys for a free consultation regarding your legal options.

How Long Does It Take for Farmers Insurance to Settle a Claim?

The negotiation process to settle a compensation claim with Farmers' insurance could take upwards of three months or longer if the victim's injuries were minor to moderate. Cases that involve severe injuries might take six months to two years to resolve completely.

Once the accident victim agrees to Farmers' insurance settlement amount, the Company could take up to six weeks or longer to send the check. In all, most victims involved in accidents with a driver holding a Farmers' insurance policy should expect their case resolution to take two years or longer.

How Good is Farmers Insurance at Pain Claims?

Most major auto insurance companies have excellent customer service and top NAIC (National Association of Insurance Commissions) rating. However, the Farmers Insurance rating is 1.25, meaning the Company has received a higher than the standard rate of complaints than other insurance providers.

How do I Report an Accident to Farmers Insurance?

After your accident, take the initial steps to ensure that everybody is safe and call the police and EMTs for transport to the hospital for a diagnostic evaluation. Next, ensure that an accurate police report has been filed and photographs were taken of the accident scene.

Report the accident to your auto insurance carrier and ask if you should file a claim with Farmers' Claims Services at (800) 435-7764 or if they will file a claim on your behalf. Finally, consider hiring a personal injury attorney to handle your case to ensure you receive the maximum compensation you deserve.

How do You Respond to a low Settlement Offer?

It is almost guaranteed that the insurance carrier claims adjuster will offer you a lowball settlement offer initially. However, just because the adjuster provides an offer does not mean you need to accept it.

Instead, analyze what they have offered so you can make a responsible response in writing. Next, formulate your top counteroffer and refuse to settle with the insurance company until you are completely healed.

If the auto insurance company is unwilling to increase their offer at the level it deserves, consider hiring an attorney specializing in personal injury law and accident claims. Your lawyer can review your medical records, gather eyewitness testimony, and ensure you receive compensation from the time of the accident until now.

Why Would an Insurance Company not Want to Settle?

If your case has insufficient proof, the insurance company might choose not to offer you a settlement amount but instead make you prove your case. The claims adjuster often refuses to offer a settlement without first investigating what happened.

If the adjuster concludes that there is not sufficient proof of their policyholder's liability, they might choose not to make an offer. However, a car accident lawyer specializing in 'bad faith' offers might be able to assist in ensuring you receive compensation based on the policy limits.

What Happens if the Driver Responsible for the Accident is Uninsured or Underinsured?

If the negligent actions of another injured you and they were uninsured, underinsured, or a hit-and-run driver, you have legal options. You, or your attorney, can file an underinsured motorist claim or uninsured motorist claim seeking compensation from your auto insurance company to receive money based on the policy limits.

A personal injury attorney can ensure you receive a sufficient payout for your damages from the anti-fault driver's insurance company. These funds can pay for physical therapy, ongoing medical care, past, and future hospitalization, lost wages, pain, and suffering.

Farmers Insurance Solutions Insurance Coverage Options

For more than nine decades, Farmers Insurance Group has held its share of the insurance marketplace and remains the third-largest insurer in the United States for motorists, homeowners, renters, commercial businesses, and others (behind State Farm and Allstate).

Years ago, Farmers' insurance purchased AIG and Florida-based Bristol West to increase its number of policyholders. In the 1990s, Zurich Financial Services acquired Farmers' insurance and tens of thousands of employees and agents.

The Company provides insurance solutions including:

  • Vehicle Coverage – The insurance carrier offers competitive motorist coverage for collision, medical bills, damages, and underinsured/uninsured parties related to cars, trucks, motorcycles, and commercial vehicles.
  • Home-ownership and Rental Coverage – Farmers Insurance protects family members where they live through homeowner's insurance and renters' insurance policies.
  • Life Insurance Coverage – Farmers Insurance covers the family of a lost loved one by providing temporary coverage to pay bills and other expenses while bridging the gap to better times.
  • Financial Insurance Coverage – The insurance company provides small and medium-sized businesses with insurance solutions to handle worker's compensation claims and property damage complaints. Also, they offer numerous annuity services and mutual fund opportunities.

The rapid growth of Farmers Insurance has exposed the insurance carrier to litigation on many fronts. In recent years, the Company had faced a significant rise in the number of lawsuits filed against them when victims were unwilling to accept their lowball offers to settle their cases out of court.

The Bodily Injury Claims Process With Farmers Insurance After a Chicago Auto Accident

If you were injured in a motor vehicle accident caused by a Farmer's insured, you are likely looking for the insurance claim process to recover compensation for your injuries.

After you submit an initial claim with Farmers Insurance, the carrier will assign a case number to your claim. You will be contacted by a claims adjuster who has the responsibility to investigate the evidence and facts in your accident and begin the process of settling a claim based on the policy's terms. You might have been mildly or severely injured, or you might be suffering only with property damage to your vehicle.

The claims adjuster might make a quick settlement offer in the hopes that you avoid lengthy negotiations to resolve your case. Even though the adjuster or the insurance company acts in a friendly way and offers empathetic compassion, they do not have your best interest in mind. The insurance company's responsibility is to protect its profits to ensure its shareholders are adequately compensated for their investment.

Insurance companies offer victims a lowball settlement amount in the hopes that you will quickly resolve the case before you understand the extent of your damages.

Claims Adjuster Tactics

Claims adjusters working for most insurance companies will employ various tactics to settle your case before you have completed all your necessary medical treatments, surgeries, and rehabilitation. Their efforts are based on convincing you that they are there to protect you, so they believe that there is no need to hire a lawyer to represent your side.

However, this tactic often blindsides victims who face years of future medical bills when they have no money to pay for needed care.

In the initial stages of filing a claim, the insurance company will likely ask that you make a recorded statement and signed documentation. However, with our years of experience, we recommend you never sign anything and never give a recorded statement outside the presence of a car accident attorney providing you legal representation to ensure your rights are always protected.

Your lawyer knows that if you need additional medical rehabilitation, treatment, surgeries, or other care in the years ahead, it will need to be covered by the insurance settlement. In addition to needing money to pay your medical expenses, your attorney will file a claim for all other damages, including:

  • Your lost wages from time away from work due to your injuries,
  • Your inability to return to work in your current occupation due to a temporary or permanent disability caused by the crash,
  • Out of pocket expenses that are placing a financial burden on your family because you are unable to work,
  • Scarring and disfigurement,
  • Non-economic damages including pain, suffering, mental anxiety, emotional distress, grief, and financial concerns,
  • Funeral costs and burial expenses and wrongful death cases

Compensation claims can be submitted online at the Farmers Insurance website or by phone at (800) 435-7764. Initially, Farmers will begin processing your claim by starting an investigation, making contact with their claims adjuster, and reviewing all the available evidence, including police reports and medical documents.

Negotiating the Best Settlement Offer

Like all corporations, Farmers Insurance is never on the side of anyone but their shareholders who have invested in the Company to generate profits. Attempting to negotiate with the claims adjuster insurance company without legal representation could be a financial disaster.

Our legal team has years of experience negotiating with defendants, their attorneys, claims adjusters, and insurance companies who use proven strategies and tactics to diminish the amount of compensation they want to provide. Even though you have the legal right to negotiate a fair settlement without help, it is never a wise idea.

It is better to deal with the insurance company only when using a legal advocate to ensure your family receives all the compensation you deserve.

Our law firm looks out for your best interests. We can do all the heavy lifting of resolving your car accident case for compensation while allowing you to focus on healing and recovering from your severe injuries.

Our Chicago Motor Vehicle Accident Attorneys Represent Your Best Interest

The motor vehicle accident attorneys at Rosenfeld Injury Lawyers LLC have resolved thousands of personal injury claims involving auto accidents in the Chicago and DuPage County area. If you were in an accident involving an individual insured by Farmers Insurance and want to file a claim or have already filed a claim, contact our legal team at (888) 424-5757. Let us begin working on your behalf.

We provide every client with a "No Win/No-Fee" Guarantee. Our personal injury lawyers promise that you will never make an upfront payment for our legal services, and if we cannot obtain compensation on your behalf, you will owe us nothing.

All discussions with our law firm remain confidential through an attorney-client relationship.

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Client Reviews
★★★★★
Jonathan Rosenfeld was professionally objective, timely, and knowledgeable. Also, his advice was extremely effective regarding my case. In addition, Jonathan was understanding and patient pertaining to any of my questions or concerns. I was very happy with the end result and I highly recommend Jonathan Rosenfeld. Michonne Proulx
★★★★★
Extremely impressed with this law firm. They took control of a bad motorcycle crash that left my uncle seriously injured. Without any guarantee of a financial recovery, they went out and hired accident investigators and engineers to help prove how the accident happened. I am grateful that they worked on a contingency fee basis as there was no way we could have paid for these services on our own. Ethan Armstrong
★★★★★
This lawyer really helped me get compensation for my motorcycle accident case. I know there is no way that I could have gotten anywhere near the amount that Mr. Rosenfeld was able to get to settle my case. Thank you. Daniel Kaim
★★★★★
Jonathan helped my family heal and get compensation after our child was suffered a life threatening injury at daycare. He was sympathetic and in constant contact with us letting us know all he knew every step of the way. We were so blessed to find Jonathan! Giulia
★★★★★
Jonathan did a great job helping my family navigate through a lengthy lawsuit involving my grandmother's death in a nursing home. Through every step of the case, Jonathan kept my family informed of the progression of the case. Although our case eventually settled at a mediation, I really was impressed at how well prepared Jonathan was to take the case to trial. Lisa