What To Do if Farmers Insurance Denies My Car Accident Claim?

Farmers Insurance may deny a claim for various reasons, but you can appeal that decision. If Farmers Insurance denies a claim, they must send you a notice of the denial with information about why your claim was not accepted and the instructions to file an appeal.

Although many opt to go through the appeals process without legal representation for standard accident claims, consulting with a car accident attorney can be beneficial. If your initial claim doesn’t cover your losses, consider a lawsuit against the at-fault driver’s insurance to recover additional compensation.

Understanding Everything in Your Denial Letter

When you decide to appeal a denial of your claim, the steps you take can improve the possibility of approval of your appeal. It is crucial to understand everything in the denial letter you receive. Read through it several times. Call Farmers Insurance to ask any questions you might have. You might also consult with an insurance or auto accident insurance lawyer.

When you draft your appeal letter, include all the info Farmers requests, including the claim number, your name, policy number, and why you are appealing their decision. Always proofread your letter thoroughly and have another person read it before submission. Ensure your letter is easy to read, understandable, and includes all the information specified in the notice of denial.

When Preparing Your Appeal Pay Attention to the Details

The first part of your denial letter should state, in detail, why your claim was denied. You might have included inadequate supporting documentation or needed more information about the accident. Whatever the reason for the denial, your appeal must answer the questions and supply the supporting documentation.

Begin the appeals process by gathering evidence. This might include the accident report, witness statements, cell photo images from the accident, information about your injury or other doctor’s reports, and any information requested explicitly by Farmers.

Your appeal letter should include any requested information and clearly state why you disagree with their decision to deny your claim. Refer to and describe all supporting information you provide with your letter. Include as much detail as possible. Refer to the provisions within your insurance policy that affirm your claim. If you are uncomfortable with the appeals process or need further assistance, a personal injury attorney might offer guidance to strengthen your request for an appeal.

Reasons Farmers Insurance Might Deny a Car Accident Claim

Insurance companies deny claims for various reasons. They might need additional documentation or to get a better understanding of part of your statement. Other reasons can include:

• Inadequate medical documentation of your injury
• The claim amount was for more than your coverage permits
• Farmers may think you caused the accident
• You did not submit the initial claim promptly
• Your insurance policy might have lapsed

In your appeals letter, you must answer the specific reason for denial and include any supporting information. Clarify the facts of your accident without over-explaining. Avoid admitting fault for the accident in writing or during telephone conversations with insurance company representatives.

The Accident Was Your Fault

Per Florida Statutes § 627.7407, you must have the minimum coverage of $10,000 to cover personal injury protection (PIP). This allotment covers 80 percent of your medical up to the policy amount.

When another driver’s negligence caused your accident, you could seek additional compensation. If your accident caused severe injury, such as paralysis, permanent disability, significant and permanent scarring, disfigurement, or contributed to the death of a family member, Florida Statute § 627.737 includes provisions permitting you to seek compensation via a lawsuit against the at-fault driver.

Understanding What Is Meant by “Bad Faith Denial”

If insurance denies a claim without valid reasoning, they might be acting in “bad faith.” While rare, insurance companies occasionally attempt to deny a claim, hoping you will be too frustrated to appeal and fight for compensation.

If Farmers Insurance has rejected your legitimate claim or is threatening to deny it to coerce you into an unfair settlement, they might be acting in bad faith. Your options include continuing your appeal request or contacting an attorney to assist you.

When fighting an insurance company, the burden of proof is on the claimant (you). In your appeal, you must clearly explain why you feel they should overturn the denial and show evidence to support your claim. If you believe Farmers Insurance is acting in bad faith, you can consult with an attorney and enlist their aid in fighting for compensation.

My Injuries Exceeded My PIP—What Are My Options?

Florida Statute § 627.737 gives you the opportunity to pursue compensation from an at-fault driver’s insurance company. Some of the additional areas you might receive compensation can include:

• Medical costs for past, current, and future treatment
• Lost wages (past, present, and future)
• Income differential if you must take a lower-paying job due to your injury
• Pain and suffering
• Funeral costs and benefits for surviving family members in fatal accidents

Finding a Car Accident Lawyer to Help With Your Appeal

When you need a reliable, family-oriented car accident attorney to assist in filing an appeal for a denial of coverage, the Chalik & Chalik Injury Lawyers team is ready to help. 

The appeals process can be confusing and cumbersome, but our team will fight to get you compensation from Farmers Insurance. Contact us today to get started.