Has Farmers Insurance denied your truck accident claim? Sadly, the unfortunate truth is that you are not alone. Farmers Insurance company commercials evoke an image of a family-friendly, community-oriented company that exists to serve the needs of its policyholders. Unfortunately, many accident victims with truck accident claims against Farmers Insurance find out the hard way that Farmers Insurance is much more dedicated to serving the needs of its shareholders, not the community.
The sad part for truck accident victims is that a claim denial usually adds stress and uncertainty to what was already an incredibly difficult situation. If you’re in the hospital or home recovering from a truck accident, the notice from Farmers that they’re denying your claim can feel like a ton of bricks falling on your head. So, what’s your next step after having your truck accident claim denied by Farmers Insurance?
You Can Fight Back if Farmers Insurance Denied Your Truck Accident Claim
Although finding out Farmers Insurance has denied your truck accident claim is a stressful and unpleasant experience, you should know that is not the end of the road. Farmers Insurance is relying on the advice of their adjusters and legal staff to deny your claim. However, their word is not final.
You have the right to demand damages after being hurt in a truck accident. You do not have to accept a claim denial letter from Farmers and put your life back together on your own. The law gives you the right to hold the negligent party accountable if your accident was not your fault.
How You Can Help Your Own Cause After a Truck Accident Claim Denial
You can take some concrete steps to help your case after Farmers denies your claim. First, if you are physically able, gather the names and contact information of any witnesses to your accident. Also, take note of any private security or traffic cameras that might have recorded your truck accident. Finally, request a copy of the police report as soon as possible.
This evidence could help you prove liability in your truck accident. Once you have proven liability, you are in a strong position to demand compensation for your injuries and property damages.
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Why Would Farmers Insurance Deny My Truck Accident Claim?
Of course, the easy thing would be for Farmers Insurance to accept liability in your case and pay for your damages. An insurance company’s first defense against an insurance claim is usually to deny liability. Their denial will usually state a combination of one or more of the following reasons:
- They do not believe the truck driver was a fault in the accident
- They do not believe the truck accident victim’s injuries are as severe as what is stated in the claim
- They do not believe the property damage amount claimed is commensurate with the damage caused by the accident
However, that does not mean the reason Farmers gives for denying your truck accident insurance claim is valid. Their claim denial is based on their interpretation of events leading to the accident and the damage caused by that accident.
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Many Truck Accident Claim Denials are Motivated by Financial Concerns
Farmers Insurance is one of the biggest insurers in the United States. They are also one of the most profitable. They did not get that way by accident. Their business model hinges on charging as much money on policy premiums as possible while also paying out the least amount possible in policy claims.
When it comes to trucks, their large size means that even a truck going below the speed limit can do great harm to accident victims in a crash. That is why there is rarely such a thing as a “fender bender” when trucks are involved. Instead, most truck accidents lead to victims with serious injuries and property damage.
The serious injuries and property damage caused by most truck accidents usually cause the kind of large claim payouts that companies like Farmers Insurance want to avoid at all costs. Truck accident cases can be worth six or even seven figures. So, it should be no surprise to injured victims that Farmers would do all they can to deny a claim.
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Contact a Truck Accident Lawyer for Help After Farmers Insurance Denies Your Claim
You by yourself versus Farmers Insurance Company after a truck accident is not much of a fair fight. Farmers has hundreds of claims adjusters and a sizeable legal team at their disposal. It is not a pleasant thing to think about. Still, all these people make a living denying accident claims or minimizing the value of insurance company payouts after a truck accident.
The good news is you do not have to fight this battle alone. A truck accident attorney from Laborde Earles Injury Lawyers can help you get the compensation you deserve after a truck accident. We have collected multimillion-dollar settlements and verdicts for truck accident victims. So, if Farmers Insurance has denied your truck accident claim, please call our office for a free consultation to see how we can help.
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