Farmers Insurance is one of the largest insurance companies in America. Their three goals are to help people, to provide outstanding service to their customers, and to get cars back on the road as quickly as possible.
With all that said, Farmers auto insurance claims are still processed in part by Colossus. Colossus uses parameters that result in the smallest claim payments possible based on the type of accident. Understanding what you are eligible for within your insurance policy can help you get the most from your Farmers auto insurance claims.
Who Makes The Damages Determination?
The initial damage determination is made by trained representatives. After 8 weeks of intensive field training and an additional 2 weeks of classroom training, these representatives are qualified to estimate damages to any vehicle involved in an accident. These estimates, in combination with the Colossus estimates, determine the damages for a car accident.
Damages Taken Into Account During Damages Determination
There are three main types of damages that are assessed during Farmers auto insurance claims assessments. Each makes determinations based on the extent of damage within each category.
Physical
This category covers property damages and some coverage exists within every auto insurance policy.
- Initial damages to the vehicle
- Repair or replacement estimates
- Best and cheapest auto repair facilities by damage type
General
Not all policies cover the intangible damages that take place during and after an accident. There are limits set in several states to cap the value of general damages.
- Pain and suffering along with other psychological damages and mental anguish
- Future bills for physical and personal damages.
- The long term impact of an accident to the affected party.
Personal
If you are injured as a result of a car accident, Farmers insurance will cover the personal injury provided within your auto insurance policy.
- From contusions to neck injuries to death, personal injuries have value.
- Uses Colossus to determine the value of personal injuries.
- Cases concluded within the Colossus range rarely include future costs.
When Your Claim Is Processed Through Farmers, Your Lawyer Can Help.
Preparation and a clear understanding of the coverage provided by your insurance policy allow you to make sure your claim is addressed in full. A lawyer can help you say “No” to a settlement offer that might not fulfill the coverage promised in your policy. To get the most from your claim, utilize the expertise your lawyer provides.
