What happens if I disagree with Farmers’ decision on my auto insurance claim?

Having an auto accident and filing an auto insurance claim through Farmers can be stressful, especially if you find out that Farmers won’t pay for all your expenses or that the company denied your claim. Fortunately, you can appeal and negotiate with Farmers for a more favorable decision.

Knowing how to compare auto insurance quotes and letting Farmers know you might switch companies can often add weight to your argument. This article will discuss what happens if you disagree with Farmers’ auto insurance claim decision and the evidence you might need.

When You Disagree With Farmers’ Auto Insurance Claim Decision

After Farmers decides what to do with your claim, you should receive a settlement offer or claim denial letter describing the reasons for Farmers’ conclusion. Read this letter carefully, and look for any inaccuracies or missing information that could have contributed to Farmers’ decision.

Then, write an appeal letter, also called a demand letter, that states why you should receive more funds.

An insurance adjuster will review your letter and documentation and decide whether you can appeal. This process usually takes a few weeks. If you’re still unhappy, you can ask to speak with a supervisor. However, even if you speak to them several times, Farmers may not change its conclusion.

As a last resort, you can speak to an attorney about finding a way to increase your compensation. If needed, you can mediate with Farmers or file a lawsuit. However, the statute of limitations in most states is two or three years. Farmers’ conclusion will be final if you don’t begin a lawsuit before that time limit.

To learn more about how to contact Farmers, check out our Farmers auto insurance review.

Evidence You Might Need for a Successful Appeal of Farmers Decision

Include as much documentation about your claim as possible, including:

• Repair bills
• Photos of any damage and the place where the accident happened
• A police report
• The names of any witnesses and statements from them about the accident
• The names, insurance information, and contact information of other drivers involved

If you were injured, it’s a good idea to include medical bills and statements from your doctors. They can describe the treatment you received and the medical care you’ll likely need in the future because of the accident.

Understanding How to Appeal Farmers’ Decision on Your Auto Insurance Claim

By understanding what happens if you disagree with Farmers about your auto insurance claim, you can attempt to change the company’s view and get more compensation. If you can’t reach an agreement with Farmers, you can compare quotes and look for affordable full coverage auto insurance from another provider.