Serving Spokane Since 1948

Filing A Car Accident Claim With Farmers Insurance in Coeur d’Alene

Coeur d’Alene used to be a quiet mountain resort town. Nowadays, the beauty and pristine water remain, but traffic is becoming increasingly more dangerous. All those vehicles include a lot of local motorists and a lot of vacationers.

They can all have different license plates and be insured by some very different car insurance companies. The differences in those insurance providers become very important if you happen to get forced into a serious accident with one of those drivers.

A major injury could have you trusting an insurance firm you’ve never heard of for the thousands of dollars you require in compensation. If you wind up in such an unfortunate situation please contact the car accident attorneys with Coeur d’Alene’s CCD Law. Contact us for a free case evaluation and find out how to avoid getting taken advantage of by stingy insurance agents who will be trying to rob you of the support you need.

Bad Faith Practices By Car Insurance Companies Like Farmers

Farmers Insurance is a nationwide carrier headquartered in Los Angeles. They have big-city resources, but they can quickly be hard to contact when you’ve been injured by their policyholder.

They have been at it a long time and have accumulated a deep bag of tricks that can get them off the hook on injury claims. They can use a strategy known as delay, deny, defend. It sounds simple, but it makes for a long, frustrating journey for accident victims.

Farmer’s well-coached agents know that if they delay a response to your claim, you’ll get desperate enough to accept any “lowball offer” they send you. They can also deny your claim, even when the fault of the other driver is clear, hoping you’ll be discouraged and give up. And as a last resort, they will try to shift the blame from their driver to you. They’ll employ investigators to dig up your past driving records and use any recorded statements you give them to cast doubt on your account of what happened.

All of these shocking bad faith procedures should serve as a good reminder that talking to a local car accident attorney is in your best interest. That conversation might be the difference between getting the support you need or making payments on your hospital bills for the rest of your life.

How much Is my Coeur d’Alene Accident Injury Worth with Farmers?

There’s no set guideline on how much support a serious injury should earn for a victim. It will definitely be worth more than a Farmers agent will be willing to admit. Experienced personal injury attorneys have worked enough cases to get a very good idea of what’s a fair settlement offer for each type of injury and what’s definitely a “lowball” offer.

A few factors can dramatically increase the amount you may receive. If you end up with a permanent disability, the costs of everything needed to give you some independence and mobility will run in the hundreds of thousands of dollars. Compensation for things like specialized medical equipment, improvements to a house, and training for a new lifestyle can all be sought in a claim for damages sent to Farmers.

The severity of the injury and the physical and emotional difficulties experienced can all factor in. These are just a few of the common car accident injuries that can force victims to ask for major financial support:

  • Traumatic brain injuries (TBI): A blow to the head can leave invisible scars that no doctor can heal. Symptoms can include severe concussions as well as a permanent loss of memories. Dementia may result and leave victims in need of long-term memory care.
  • Fractured bones: The extreme forces unleashed in head-on and rollover crashes can shatter bones. Broken legs and arms can prove hard to rehabilitate, especially for older victims.
  • Neck injuries: Whiplash will make any movement very painful for victims. Nerve damage and damage to the spine can also be associated with an injury.
  • Soft tissue injuries: Tissue like tendons, ligaments, muscles, and organs can all suffer damage and tear or bruise.
  • Safety device injuries: Things like airbags and seatbelts can protect you in a crash, but extreme impacts can render them harmful. Airbags can cause burns and seatbelts can contribute to whiplash and leave bruises.

Contact a Coeur d’Alene Car Accident Lawyer

If you or a loved one has been the victim of a serious collision, don’t trust your recovery to a giant corporation like Farmer’s Insurance. Speak with a local Car Accident Attorney serving and protecting Coeur d’Alene victims and their families. Contact us for a free strategy session to discuss your best options for getting everything you need to get your life back on track.

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