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

If you’ve recently been in an accident, you may ask yourself, “What happens if I disagree with Farmers’ decision on my car insurance claim?” There’s nothing more daunting than waiting to hear back from an insurer and wondering what kind of expenses you’re eventually going to be facing.

Even if you’ve been careful and researched how much car insurance you need, the company won’t always decide to pay the claim the first time.

The good news is it is possible to appeal that decision. In this article, we will talk through some of the reasons why Farmers might decline an initial claim and what you can do to turn that decision around.

What to Do If You Disagree With Farmers’ Decision on Your Car Insurance Claim

If you disagree with the decision that Farmer has made on your claim, you can appeal. This will involve reading its letter of denial and then writing a response that provides further evidence demonstrating why you believe Farmers made the wrong decision. (For more information, read our “How do I file a car insurance claim with Farmers?“).

While you may believe you know how to file a car insurance claim, they say the best offense is a good defense. As such, it can be a good idea to review your initial claim at this stage to be sure you didn’t make any mistakes.

At the same time, you might want to seek the advice of a lawyer, who will be able to guide you in making a powerful appeal.

Read more: What information do I need to file a car insurance claim with Farmers?

Understanding the Adjuster’s Role in Farmers’ Decision on Your Car Insurance Claim

What is the claims adjuster’s role in the car insurance claims process? The adjuster reviews the evidence, works out the value of the damage, and assesses how much, if any, of that value can be covered by the company. If the adjuster decides that Farmers shouldn’t pay, then you will receive a denial letter.

Make sure to read it over carefully, as it will explain the adjuster’s reasoning.  Perhaps you misunderstood the car insurance requirements and lacked an adequate or extensive enough policy, not providing clear enough information, including untrue information, or not submitting the claim promptly.

How a Lawyer Can Help You Overturn Farmers’ Decision on Your Car Insurance Claim

It’s definitely a good idea to consider gaining the advice of a lawyer. Aside from their general expertise, there are two important things a lawyer can do for you.

First, they can advise you on what type of evidence to collect and how to go about it. Second, they can help you with drafting your appeal letter and help to interpret any further communication.

Informing Farmers That You are Making an Appeal Against its Decision

Once you have read the denial letter and understood the adjuster’s reasoning, you will be in a good place to write an appeal letter and explain your position. In some cases, simply filing an appeal will be enough on its own.

In other cases, you will need to provide further information. Some might choose to collect further medical evidence. Others may opt to include eyewitness testimony, CCTV evidence, or anything else that strengthens the claim.

Case Studies: Disagreeing with Farmers’ Decision on Car Insurance Claims

Case Study 1: Jane’s Denied Claim

Jane recently filed a car insurance claim with Farmers Insurance after a collision. However, she received a denial letter stating that her claim was rejected. Jane believes that Farmers made the wrong decision. She decides to appeal the denial and seeks the help of a car insurance attorney to navigate the process effectively.

Case Study 2: John’s Insufficient Coverage

John filed a car insurance claim with Farmers Insurance but received a denial letter stating that his policy did not provide adequate coverage for the damages.

Realizing that he might have misunderstood the car insurance requirements, John decides to review his initial claim and consult with a lawyer. With the lawyer’s guidance, he prepares a strong appeal letter, providing additional evidence to support his case.

Case Study 3: Sarah’s Disputed Information

Sarah’s car insurance claim with Farmers Insurance was denied due to disputed information provided in her claim. She receives a denial letter outlining the adjuster’s reasoning. Sarah understands that inaccurate or incomplete information may have led to the denial.

To contest the decision, she decides to collect further evidence, including medical records and eyewitness testimony, to strengthen her claim. With the necessary evidence and a well-drafted appeal letter, Sarah informs Farmers Insurance of her intent to appeal the decision.

Final Thoughts on What Happens if You Disagree With Farmers’ Decision on Your Auto Insurance Claim.

Thankfully, many Farmers’ insurance reviews are quite positive. However, if Farmers decide to decline your claim, you don’t need to accept its decision. Read the denial letter and understand its key points.

Collect evidence and consider seeking the advice of a lawyer. Armed with this, you can notify Farmers that you’re appealing, and it will have to consider this.