You need to be aware of some of the most common concerns about Farmers if you are ever involved in an accident with an insured driver. Our team can help you obtain fair damages.
What if I Was Partially at Fault for the Accident?
Ohio is a modified comparative negligence state with a 50 percent threshold for fault. Comparative negligence becomes very important for any person filing an injury claim in Ohio because insurance companies could seek to reduce compensation by arguing a claimant was at fault. A lawyer can help you through this process.
If you truly were partially at fault, you still could recover damages if your percentage of fault is less than 50 percent. Our lawyers will represent you to help get a fair settlement for you that considers your level of fault.
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What to Expect When Filing Farmers Insurance Claims
When pursuing compensation after an auto accident, you will benefit from considering your past, present, and future losses. This could be keeping your medical care and/or vehicle repair receipts and speaking to your medical team about your prognosis. You will need to know how long your injuries will affect your life.
For instance, your broken leg might require many visits to the doctor and months in a cast. You might need to do physical therapy after getting the cast off. You could be compensated for these losses.
Inform your lawyer about any evidence collected and any projected cost values. The insurer may offer a settlement, but it may be beneficial to contact a lawyer to get the fairest settlement possible. A lawyer can offer advice on this matter, using knowledge gained from similar cases.
Securing Fair Financial Compensation from Farmers Might Not Be Easy
The way the average person handles their insurance claim is very different from how an insurance company will operate. For most people, the immediate steps after you’re involved in a car accident include:
- Preserving evidence (such as photographing damage)
- Getting medical attention
- Contacting your insurance company and attorney
The approach insurance companies take could involve the company performing its own independent investigation. After this is completed, the insurer might try to find reasons to deny your claim or try to pay less than what you seek. Some of the most common procedures companies could employ to try and reduce awards include:
- Blaming the victim
- Using delays in medical care to deny claims
- Dragging a case out to reach the statute of limitations
- Requiring written or recorded statements
- Pressuring people to accept settlements
Adjusters might try to make any settlement offer sound like the best offer possible. This might not be the case, though. Consult with your lawyer, as they might advise you to pursue a more fair offer.
What You Can Do to Protect Your Farmers Accident Claim
You can help your lawyer by following the following advice:
Stay off Social Media Until the End of Your Case
Some insurers will have their adjusters look at claimants’ social media accounts for opportunities to discount injuries. You might post a smiling selfie that does not show your leg cast, and the insurer could claim that the photo is proof you are unaffected by the accident.
Provide Your Lawyer With All the Evidence You Have
You might have taken photos of the accident scene that you think are unimportant. However, the photo might feature an identifying bumper sticker on the at-fault hit-and-run driver’s vehicle. This could help us find the identity of the driver. Keep any evidence because they could help your claim.
Do Not Wait to Take Action After an Ohio Auto Accident
Every insurance company has its own rules and deadlines. Your lawyer will inform you about your specific claim’s deadline.
Additionally, if your lawyer advises you to file a lawsuit, you generally have to do so within two years of the accident under Ohio Revised Code Section 2305.10. If you fail to file before this deadline ends, you may lose the chance to seek fair recovery.
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Our Team Offers Free Auto Accident Case Consultations
You could retain a personal injury lawyer before you file any claim with an insurance company. You will not have to pay anything for your initial consultation because it is an opportunity for an attorney to hear about your case and decide the next course of action.
The Fitch Law Firm LLC is ready to listen to your story and advise you. Call or reach out online to talk to our staff. Your Ohio insurance claim will be our priority.