Idaho Farmers Insurance Lawyer

Injury Lawyer Assisting Clients with Farmers Insurance Claims and Denials in Idaho

When you are injured in an accident in Idaho, one of the first concerns on your mind is likely to be whether you will be eligible to receive compensation by filing an insurance claim. Motor vehicle collisions are extremely stressful, even when you sustain minor injuries and property damage. It can be difficult to know how much information to provide to your own insurance company, and whether you should even be speaking to the other driver’s insurance company at all. Maybe both drivers have Farmers insurance, or perhaps only you or the other driver has insurance through Farmers.

No matter how major or minor your insurance claim might be, it is extremely important to work with an experienced Farmers insurance lawyer in Idaho.

Speaking with the Insurance Company

When you need to file a claim through Farmers insurance in Idaho, it is important to understand that the insurance company is not on your side. Even if you have been paying monthly premiums for a Farmers auto insurance policy for years, the insurance company’s goal is to pay out as little as possible in claims. To be clear, the insurance company is looking out for its own financial interests, and not the financial interests of the insured. As such, it is essential that you take steps to ensure that you remain eligible for compensation.

After an accident, you will need to contact your insurance company as soon as possible to report the incident. If Farmers is your auto insurer, when you call to report the accident, only give the facts. In other words, do not offer your opinion about what caused the accident or who was at fault. Instead, simply provide the strict facts. Even if you are planning to file a claim through the other driver’s insurance company, you will need to contact your own insurer first. Do not contact the other driver’s insurer without first speaking with an Idaho Farmers insurance attorney. Your lawyer can assist you with any subsequent contact with the insurance company.

Insurance Requirements in Idaho

Idaho is an “at fault” state when it comes to auto insurance and accident claims. This means that a driver or passenger who is injured in an auto accident typically has two options when it comes to filing an insurance claim:

  • 1. Filing a claim through your own insurance company; or
  • 2. Filing a claim through the other driver’s insurance company.

In most situations, it makes more sense to seek compensation through the other driver’s insurance policy. Under Idaho law, drivers are required to have the minimum amount of basic liability insurance coverage in order to operate a motor vehicle. This means that any at-fault driver should have at least the following:

  • $25,000 for bodily injury to one person in a crash;
  • $50,000 for total bodily injury to two or more persons in a crash; and
  • $15,000 for property damage.

When you are filing a Farmers insurance claim, you can seek up to the amounts of coverage under the other driver’s policy. If the total amount of your injuries exceeds the other driver’s policy limits, you may be able to file a car accident lawsuit.

Get the Facts About Insurance and Claims Payouts for Injuries

How many drivers in Idaho pay for coverage beyond the minimum amounts? And how do insurance expenditures in Idaho compare with those in other U.S. states? The Insurance Information Institute (III) provides some of the following facts:

  • 78 percent of insured drivers, on average, pay for additional comprehensive insurance coverage (beyond the liability insurance minimums);
  • 73 percent of insured drivers purchase additional collision coverage (also beyond the liability insurance minimums);
  • Idaho is ranked first in the lowest insurance expenditures, with an average of $571.94 (meaning that Idaho residents tend to purchase fewer additional coverage options than drivers in other states, and/or that drivers are less likely to have purchased new cars and damage premiums); and
  • Farmers Insurance Group is the seventh-ranked provider of auto insurance in the country, with more than $10,000,000 in direct premiums written for a share of almost 5 percent of the market.

The more coverage a driver has, the less likely it is that an injury victim will need to file a subsequent car accident lawsuit in order to obtain full compensation for his or her losses. In other words, when drivers have higher coverage limits, the more likely a person injured in a collision with that driver will be able to obtain just compensation through the liable driver’s insurance policy.

What You Should Expect When You Begin the Claims Process

How does the claims process work when you are filing a Farmers insurance claim? You will begin by filing a claim with the help of your Idaho Farmers insurance lawyer. Then, an insurance adjuster will be assigned to your case, and will assess damages. It is important to remember that, throughout this process, the insurance adjuster’s goal is not to provide you with the fairest settlement offer, but instead to help the insurance company save money.

After an insurance adjuster is assigned to your case, you may receive a settlement offer. These settlement offers are often much lower than the damages amount you deserve. You should never accept a low settlement offer or sign anything until you have spoken with a lawyer. Your attorney can help to negotiate any settlement offer you receive in order to obtain an offer that is fair and just given the severity of your injuries and the extent of your property damage.

When Your Claim Has Been Denied

Farmers insurance claims are denied for many reasons, and often claimants deserve compensation. Sometimes denials are unlawful attempts by the insurance company to avoid paying your claim. In other cases, denied claims can be the result of minor errors in the claims process.

When your claim has been denied, you should reach out to an experienced Farmers insurance attorney in Idaho as soon as possible to begin an appeals process.

Seek Advice from a Farmers Insurance Lawyer in ID

At Hansen Injury Law, we have years of experience assisting Idaho residents with car insurance claims through Farmers, and we understand the intricacies of filing a claim, negotiating a settlement, and appealing denied claims. One of our dedicated Idaho Farmers insurance lawyers can speak with you today about your claim. Contact Hansen Injury Law today to learn more about how we can help.

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