How to Negotiate a Personal Injury Settlement with Farmers Insurance | Boulder Injury Lawyers
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No one ever deserves to be injured in an accident, but unfortunately, too many people get hurt because of the negligence or carelessness of another. Injury victims are often left with not only physical pain but also financial and emotional burdens that can effect their lives for months or even years to come.
What makes the situation even worse is that injury victims often have to spend months negotiating with insurance companies like Farmers Insurance. Because insurers are for-profit businesses, their primary goal is to protect their own bottom line by minimizing your claim and paying out as little as possible.
At Zinda Law Group, our Boulder car accident lawyers can help you understand all your legal rights so you can make an informed decision on your best path toward compensation. We have the knowledge and resources necessary to help you pursue damages for all the ways your injuries have cost you.
To learn more about how our firm can help you, call Zinda Law Group today at (800) 863-5312 for a 100% free case evaluation with our personal injury lawyers in Boulder, Colorado.
What to Expect in a Claims Negotiation with Farmers Insurance
If you or a loved one was injured or killed in an auto accident and the other driver is insured by Farmers Insurance in Boulder, there are a few steps you should take when negotiating with the claims adjuster from Farmers.
Taking the following actions will strengthen your negotiating position by proving to Farmers that you have a strong case. Showing you have a strong case to Farmers claims adjusters and representatives will increase their motivation to award you with a just settlement.
Insurance companies know that going to trial is risky because they face the prospect of a jury returning a large award for the victim. With that philosophy in mind, here is where you can start:
- Make sure you have all of the reports written by a law enforcement agent that responded to and investigated the accident. You can obtain the reports in a public records request. You should also request any 911 calls made to authorities reporting the accident. These items contain significant amounts of information and could lead to witnesses and evidence you did not know existed;
- Take photographs. Photograph injuries, vehicle damage, and the accident scene or area in which the accident occurred if it is safe to do so;
- Compile all of your medical bills and incidental costs from the accident such as lost wages and lost economic opportunity, repair and replacement costs, damages for pain and suffering, as well as other damages you should include in your claim; and
- Have a report from your doctor describing your injuries. Ask your doctor to include in your report a prognosis of your injuries, whether you are fully or partially disabled, all attributable to the crash.
You will know your case better than the Farmers insurance adjuster. The claims adjuster should have all of the records, your medical bills, and doctors’ reports before you demand a settlement. However, having all of the information does not equate to the adjuster knowing it inside and out, like you should. Keep these ideas in mind when negotiating:
- Establish your parameters beforehand. Know the minimum figure for which you will settle before you make a demand;
- Believe in your claim. The adjuster will try to blame you for the accident and argue you were not driving safely or were otherwise negligent and contributed to the incident. Be ready to counter the adjuster’s argument with facts from your crash. Also, be prepared for the adjuster try to get you lower your demand amount. They will try different tactics in addition to claiming you were at fault like arguing you aggravated pre-existing injuries and therefore the pain you feel is not from the auto crash but some event that preceded the crash; and
- Make a demand that is higher than you think your claim is worth but be reasonable. Do not make an unreasonably high demand that damages your credibility and paints you as unreasonable. The insurance companies will be less likely to negotiate with someone who has unjustified expectations.
Our Boulder Car Accident Lawyers Can Help with Your Farmers Claim
The best negotiation tactic you can use is to turn to a knowledgeable personal injury lawyer for help.
At Zinda Law Group, our Boulder car accident lawyers have vast experience representing auto accident victims. Our attorneys will provide you legal advice while working diligently to try to reach a fair and just resolution of your claim.
Contact us at (800) 863-5312 today to schedule a free consultation and learn how we potentially can help you with your claim against Farmers Insurance if you or a loved one was injured or killed in an auto accident in Boulder.