How Our Lawyers Handle a Farmers Injury Claim

Illustration of a road sign featuring the Farmers Insurance logo against a backdrop of a sky.
How Our Lawyers Handle a Farmers Injury Claim

Our lawyers handle Farmers injury claims by demanding full and fair compensation for the claimant. Farmers is one of the largest insurance providers in the nation, issuing policies that cover a wide variety of hazards. Injury claims are typically challenging, and you can let our team overcome claim-related challenges as you prioritize your health.

While Farmers may pay the compensation you deserve, it may fight to protect its financial interests. Our Farmers injury attorneys will present a detailed, evidence-based case when seeking a fair settlement from Farmers Insurance.

Types of Farmers Insurance Injury Claims Our Lawyers Handle

Farmers offers several insurance policy types that may cover injuries, including:

  • Auto insurance
  • Homeowners insurance
  • Renters insurance
  • Landlord and rental property insurance
  • Business insurance
  • Motorcycle insurance
  • Recreational insurance (including boat-related policies)

Our lawyers are versed in these areas of coverage. If you or a loved one has injuries that a Farmers insurance policy should cover, let us help.

What You Must Know About Farmers Insurance

Illustration of a road sign featuring the Farmers Insurance logo against a backdrop of a sky.

Claimants should understand basic facts about the insurance company they are dealing with. Important information about Farmers Insurance includes:

  • Farmers is a major player in the insurance industry: In 2024, Farmers represented one of the largest providers of auto insurance, with $12.6 billion in premiums written that year. This is only a portion of Farmers overall insurance operations, signaling how large and formidable the company is in terms of resources.
  • Its representatives handle many claims: Insurance companies the size of Farmers are constantly dealing with claims. This means that Farmers’ adjusters and other personnel have substantial experience resolving claims like yours. Employees may use this experience to their advantage in seeking to minimize the company’s financial exposure during your claims process.
  • It has financial resources to use against your claim: Large insurance companies have a deep well of financial resources (and personnel) to fight claims. If Farmers handle your claim in bad faith, you may face a considerable challenge in securing fair compensation.
  • It has financial motivations you must know: Insurance companies are for-profit operations. While Farmers Insurance may have a financial obligation to compensate you, it may seek to pay you as little as possible. 

The hope is that Farmers will pay you all the compensation you deserve. However, you should be prepared for a challenging claim. Hiring an experienced injury attorney protects yourself and allows your lawyer to handle all claim-related challenges.

Why Should I Hire a Lawyer Rather Than Handle My Own Farmers Injury Claim?

Many injury victims choose to let a lawyer fight for their financial recovery, and they have several good reasons. Consider working with an injury attorney because:

Injuries Demand Your Attention

Conceptual illustration depicting potential injuries or illnesses that farmers may encounter while working. The image shows a man using his hand to cover his knee, indicating pain, injury, or feeling unwell.

Your injuries may change your life in a significant way, and you may need to:

  • Rest 
  • Visit the doctor regularly
  • Receive various forms of treatment
  • Seek mental health services for pain and suffering
  • Tend to your personal obligations

These demands may leave little time for you to deal with an insurance claim. When you hire a lawyer to handle your claim, you can better prioritize treatment, recovery, and personal responsibilities.

Insurance Claims Have Lofty Financial Stakes

Injured parties may need large financial recoveries for medical bills, lost income, and other covered losses. The stakes of succeeding or failing during the claims process may be high.

If you don’t receive a fair sum from Farmers or liable parties, you may:

  • Face direct financial exposure for your injury-related losses
  • Face long-term financial struggles because you did not obtain the financial relief you need
  • Suffer a significant, long-term decline in your quality of life

If you believe a personal injury lawyer can handle your claim effectively, it is worth hiring them.

A Lawyer’s Experience Dealing with Farmers Can Be Valuable

Experience is a valuable commodity in the field of civil law. An attorney’s prior experience handling injury claims (including those involving Farmers) may allow them to:

  • Quickly develop a strategy for resolving your claim successfully
  • Anticipate any bad-faith tactics Farmers representatives use during your claim
  • Prepare a contingency plan if Farmers does not offer a fair settlement
  • Quickly adapt to and overcome claim-related challenges

When you can take advantage of a lawyer’s experience dealing with Farmers, you should do so.

You Are Exposed When You Deal Directly With Insurance Companies

There are several reasons not to deal directly with Farmers’ adjusters or other employees. You may:

  • Be in a compromised cognitive state due to injuries, meaning you may not be as sharp or disciplined as you normally are
  • Make statements to Farmers that compromise your claim
  • Fail to recognize bad-faith tactics Farmers Insurance representatives are using against you

If you must make a statement to Farmers, your lawyer will help. Your personal injury attorney may even arrange for you to submit a written statement (rather than a verbal one). Writing, revising, and fact-checking a statement can ensure its accuracy.

Your Law Firm Will Cover the Cost of Your Claim

Injured parties often have significant stress about medical bills, an inability to work, and other financial hardship. You may welcome the financial assistance that a law firm provides, which includes:

  • Paying filing fees
  • Paying for expert services
  • Covering claim-related transportation costs
  • Covering all other claim-related expenses

Your injury attorney will likely use a fee structure that requires you to pay nothing upfront or out of your pocket.

Your Lawyer Can File a Lawsuit if Necessary

Though most civil cases result in a settlement agreement, your attorney may first need to file a lawsuit. If Farmers or other parties who owe you compensation won’t offer fair compensation, your case may require a trial.

Personal injury lawyers are dynamic. They can negotiate a settlement or take a case to court. When you hire an injury lawyer, every option is available to you.

How Your Attorney Will Build Your Farmers Injury Claim

A man seated at his desk with a nameplate bearing the word "lawyer" in front of him.

Expect your legal team to take every step of your case off your hands. As you rest and receive treatment for injuries, your legal team will:

Protect Your Case

Your lawyer’s first mandate will be protecting your case. They will provide easy-to-follow advice, deal with insurers, and take every other necessary measure to protect your case.

Gather Evidence of Negligence

Your legal team will quickly secure any evidence related to your claim, which may include:

  • Video footage of the event that caused your injuries
  • Witnesses who saw the harmful event or any other circumstances related to your claim
  • An expert’s account of who caused your injuries (and how they did so)
  • Any police report related to your claim

Each claim involves different types of evidence. Your lawyer and their investigators will conduct a detailed investigation, obtaining any evidence that supports your case for compensation.

Cite Relevant Details of Insurance Policies

Your legal team will familiarize themselves with the Farmers Insurance policy related to your claim. They will:

  • Cite specific details of the policy that show you are entitled to compensation
  • Determine coverage limits related to your claim
  • Research any other relevant aspects of insurance policies

Your lawyer will seek expert-level knowledge of all insurance policies related to your claim.

Detail Your Losses

Your losses will be the key focus of your claim. Your attorney will obtain all available documentation of your losses, which may include:

  • Medical bills
  • X-rays and other medical images of your injuries
  • Doctors’ notes, including explicit diagnoses of your injuries 
  • Past income statements (which can show the cost of your lost income)
  • Invoices detailing any property expenses you are seeking compensation for

Your injury attorney may also use a mental health professional's diagnoses of your pain and suffering as documentation of your damages.

Negotiate a Settlement

Lawyers negotiate financial settlements for their clients. Farmers may have an experienced negotiator on your claim, so having your own experienced negotiator can be a field-leveling decision.

Initiate a Lawsuit

If Farmers Insurance is intent on paying you less than you deserve, a lawsuit may be necessary. Your lawyer will:

  • Get the most out of negotiations, perhaps completing multiple rounds of settlement talks with Farmers
  • Discuss every settlement offer with you, advising you about whether each offer is fair
  • Bring up the possibility of filing a lawsuit, explaining what this might mean for you
  • Draft and file your lawsuit if you choose to do so

The legal process introduces a host of responsibilities and challenges to an injury claim. Your injury lawyer will manage every detail of a lawsuit if you choose to pursue one.

Go to Trial, if Necessary

Your attorney may resume settlement talks with Farmers even after filing a lawsuit. If your attorney and Farmers still can’t reach a financial settlement, your lawyer will prepare your case for trial.

One compelling benefit of hiring a lawyer is freedom from case-related obligations. Your legal team will lead every step of your case. If you have to do anything claim-related, your lawyer will inform you and take any necessary action.

Injured parties may face many types of losses, including:

Pain and Suffering

A concerned Latin American farmer using his phone to consult with a health professional regarding his African worker experiencing severe chest pain outdoors.

Auto accident victims and other injured parties may face post-traumatic stress disorder (PTSD) because of the event that caused their injuries. Whether through the injury claim or a lawsuit, your lawyer can seek compensation for:

  • PTSD
  • Anxiety
  • Depression
  • Scarring 
  • Lost cognitive abilities
  • Lost physical abilities
  • Mood or personality changes
  • Lost quality of life

If you need mental health services for conditions related to your claim, your attorney will seek fair compensation for those services.

Property Expenses

Some Farmers Insurance claims involve property damage. This is often the case in auto accident claims, for instance.

If you face property damage and related expenses, your attorney will seek fair compensation from Farmers.

Healthcare Costs

Your medical bills may be a significant portion of your covered losses and may result from the following:

  • Emergency medical transport
  • Emergency treatment
  • Diagnostic services (including imaging)
  • Hospital services
  • Medications
  • Surgeries
  • Medical equipment
  • Rehabilitation

Your legal team will obtain all documentation of medical services from your healthcare providers. They may also consult their own medical professionals to calculate your medical expenses.

Professional Harm

Injuries can make it difficult or impossible to work, and may contribute to:

  • Diminished earning power (which can happen when injured workers reduce their hours)
  • Lost income
  • Lost chances to earn promotions and performance bonuses
  • Lost benefits
  • Other types of professional harm

Economists may help your lawyer calculate your present and future professional damages.

Disability-Specific Harm

When someone suffers a disabling injury, their life may change forever. Consequences of disabling health conditions can include:

  • The cost of wheelchairs, walkers, lift devices, and other medical equipment
  • The cost of a vehicle that accommodates a wheelchair
  • Severe pain and suffering, as disabling injuries can cause shock, depression, chronic pain, and other forms of distress
  • The cost of installing ramps, handrails, and other disability-related equipment in your home

Such injuries may also require intensive medical care and long-term rehabilitation services. Your lawyer will create a detailed accounting of your covered losses and present that record to Farmers during settlement negotiations.

Make Your Recovery Your Priority

Your physical and psychological recovery is one of the best reasons to hire a lawyer.

If you do not prioritize your health by hiring a lawyer for your claim, you may:

  • Worsen your pain and suffering by facing the stress of the claims process alone
  • Spend energy and time on your claim that you should instead invest in recovering
  • Present a weak case because you are in a diminished physical or cognitive state

You can only handle so much. Make your health the priority while your lawyer focuses on securing a financial recovery that can pay to treat your injuries.

What Does It Cost to Hire a Personal Injury Attorney?

Russell Nicolet, personal injury lawyer
Personal Injury Attorney, Russell Nicolet

There is no upfront or out-of-pocket cost to hire an injury lawyer. Consultations are free, and a personal injury attorney will advise whether you have a valid case. Identify law firms that meet your specifications and hire your lawyer as soon as possible. Your lawyer will face one or more claim-related deadlines, so don’t wait to find your attorney.