Farmers Insurance is one of the most prominent insurers in Texas with a large market share in both auto and homeowner coverage. When it comes to injury claims, Farmers uses a range of tactics to minimize payouts. Here is what Texas injury victims need to know.
The difference between handling a Farmers claim yourself versus having an experienced Texas personal injury attorney is not just a few thousand dollars — it can be the difference between a settlement that barely covers your medical bills and one that truly compensates you for everything you have been through.
*Estimates based on industry studies. Individual results vary based on case specifics.
Understanding how Farmers handles injury claims is the first step in protecting yourself. Here are the tactics their adjusters are trained to use:
Farmers is known for extensively training their adjusters — sometimes called the University of Farmers — in claims minimization techniques. This makes having an equally experienced attorney on your side essential.
Farmers adjusters frequently argue that injuries were pre-existing or not caused by the accident in question. Thorough medical documentation from the date of injury is critical to countering this tactic.
Farmers is particularly aggressive in minimizing soft tissue injury claims — whiplash, sprains, and strains. An attorney who specializes in documenting and valuing these injuries can dramatically increase your recovery.
Farmers adjusters may pressure you to resolve your claim quickly before you have reached maximum medical improvement. Never settle before you know the full extent of your injuries.
Do not give recorded statements without an attorney. Do not accept the first settlement offer. Do not sign any releases or medical authorizations without legal review. Do not post about your accident or physical condition on social media. Do not miss medical appointments — gaps in treatment hurt your claim.
Notify Farmers of the accident — you are typically required to do this. But say only the basic facts. Then immediately contact a personal injury attorney before doing anything else. HurtMatch can connect you with an independent attorney who has extensive experience handling Farmers claims in Texas — free, within minutes.
Dealing with a different insurance company? We have guides for all major Texas insurers: