Can I Sue Farmers Insurance After a Car Accident?

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You may have many questions when you are involved in a car wreck, we are here to help! We have compiled a list of the most frequently asked questions related to Farmers Insurance car accident lawsuits.

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.

What to Know About Suing Farmers Insurance for an Insurance Claim

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.

Is Suing Farmers Insurance the Same as an Insurance Claim?

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.

Eligibility for Filing a Car Accident Lawsuit Against Farmers Insurance

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:

• Downplaying the value of the claim
• Requiring excess documentation or information to prove losses and damages
• Taking more time than necessary to complete the claims process
• Providing misleading information about an insurance policy
• Offering a settlement amount that doesn’t fairly compensate the accident victim for their damages and losses

 

What Type of Lawsuit Can You File Against Farmers Insurance?

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:

• Personal injury lawsuit: A personal injury lawsuit is one that seeks compensation for losses related to accident injuries. For example, you may seek a settlement that covers your medical care and medical bills.
• Wrongful death lawsuit: If a loved one lost their life in the accident, you can file a wrongful death lawsuit to seek compensation for losses related to their death.

 

Factors in Car Accident Lawsuits Against Insurance Companies

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:

• Who was found at fault for the accident
• Which motorist is held liable for the collision
• The severity of the property damage
• The severity of any injuries incurred in the accident
• Each driver’s level of negligence
• The type of coverage and policy limits of the policyholder being sued
• The coverage of other drivers involved

 

How to Sue Farmers Insurance Insurance After an Auto Accident

The following are the steps you will need to take when suing Farmers Insurance following a car accident.

1. Reach Out to an Experienced Auto Accident Lawyer

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.

2. File Your Insurance Claim With Farmers

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.

3. Start Negotiations for a Fair Settlement

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.

4. Submit a Lawsuit Against Farmers Insurance

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.

Evidence You Need to Sue Farmers Insurance for an Insurance Claim

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:

• Contact information of witnesses: If there were any witnesses to the accident and you took statements from them, having their contact information available can help your lawyer more easily reach them. Their name, phone number, and address is typically sufficient.
• Evidence of medical treatment: If you experienced injuries and received medical treatment as a result, you’ll want to have copies of your medical bills and other documentation available.
• Police report: The police report is a key component of any auto accident and provides critical information needed by the courts when determining settlements.

 

Farmers Insurance Insurance Coverage and How It Affects Lawsuits

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:

• Collision coverage offers compensation for property damage, such as the loss of a vehicle, no matter who is found liable for the accident.
• Comprehensive coverage provides compensation should your vehicle be damaged or lost due to reasons outside of the motorist’s control, such as a storm.
• Liability insurance coverage provides compensation to the other driver should the policyholder be found liable for a car collision.

 

How Long Do You Have to Sue Farmers Insurance After an Accident?

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.

 

Farmers Insurance Car Insurance Lawsuit Settlements

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.

 

Types of Damages in Farmers Insurance Car Accident Lawsuits

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:

• Pain and suffering: This refers to emotional and mental trauma or damage experienced as a result of injuries or losses.
• Property damage: This includes vehicles as well as any other property that may have been involved in the accident.
• Medical expenses: Any expenses incurred as a result of injuries sustained in the accident can be included in the damages you seek compensation for.
• Loss of income: If you were unable to work following the accident due to injuries, you can seek compensation for any income lost as a result.

 

Farmers Insurance Auto Insurance Statistics

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:

• The national average premium for Farmers auto insurance is $2,078.
• Farmers Insurance was rated number six out of Best Car Insurance Companies in 2023.
• The average rate for female adult drivers is $1,881, while the average rate for male adult drivers is $1,987.
• The average premium following an auto accident is $3,207.

 

Get Help Suing Farmers Insurance After a Car Crash Today

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.