The Farmers is a leading auto insurance company, with thousands of customers holding active policies. They have strong customer service practices and will be willing to support with any query raised by clients. However, if you find yourself on the other side of a vehicle accident and are not sure when you are supposed to file the claim, you may be hesitant to ask. The majority of reputable insurance companies have specific policies in place to protect their business, and filing late may be highly detrimental when it comes to receiving the compensation that you are owed.
Why Does Auto Insurance Exist?
It is difficult to imagine a world without vehicle insurance. It ensures that every driver on the road is protected should they get into an accident while out and about. It is a legal requirement for everyone who owns and drives a car or similar type of vehicle, and not something that can ever be ignored. If you are hit by an uninsured driver, it can cause all sorts of complications. Similarly, if you cause a crash and you don’t have the right insurance in your name, you may face losing your license or being banned from driving, plus there will be an inevitable fine to pay too.
Why Do People File Insurance Claims?
For a driver to file an insurance claim, they have usually been involved in a collision. Though there are some circumstances outside of this, like theft or acts of vandalism that can be claimed on certain types of insurance policies. It all depends on what you pay for and the terms of the contract agreed at the time of signing it.
What Is The Time Limit on Farmers Insurance Claims?
The time limits for making insurance claims are generally covered in the policy itself. To be sure check to see what your policy says. A good rule of thumb to to make a claim as soon as possible. The longer you leave it, the harder it will be to receive any real amount of compensation. So, for example, if something damages your vehicle and this is covered in your policy, but you wait until a year after the incident, this will be called into question.
What Can Be Questioned?
The most common question to be asked will be ‘Why did you wait so long?’ The answers vary, but it makes proving what happened far more difficult in the long run. It is better to submit a claim within a few months after the damages happen to have it as fresh as possible. All of the top personal injury attorneys in our team know this and will make sure you have what you need to move forward. Another common query will always be ‘But, why now?’, and you may be surprised at just how difficult that question is to answer satisfactorily!
So, Why Are Claims Made Late?
People will typically make a claim later than others if they have suffered a catastrophic injury, lost a loved one, or just been overwhelmed with a mental health condition. All of these factors will be taken into consideration, but you may still have to work harder than those who filed sooner.
Why Should You File a Claim in Good Time?
There are a selection of reasons that prove the advantages of claiming within a reasonable timeframe. Farmers Insurance prefer their customers to act promptly and go through the motions so that things are more straightforward and the claim can reach a satisfactory conclusion as close to the event as possible. Here’s what you need to know.
Your Coverage
Every insurance policy allows a certain amount of coverage. When you make a claim, the amount you are entitled to personally will be calculated and your policy will carry on. To protect your contract, it is vital that you move in a reasonable way if you want to file for an incident. Your coverage may just be denied completely if you leave it too long because it will be too hard to prove your narrative.
Claim Disputes
The Farmers Insurance Group has a legal right to contest your account of events. If a dispute is raised, it will cause a delay in receiving compensation as it will need to be reviewed by both them and your vehicle accident lawyer. The longer you leave a claim, the higher the risk is of a dispute being called and, therefore, your claim will be at risk of denial.
Relevant Evidence
If you wait a year or longer to file a claim, then all of your evidence will also be at least that old. It is normal to wait a month or so after the fact, but anything longer will feel forced and questionable. The evidence you collect is important, like the medical records and pictures of the damage. However, how viable it is depends on how fresh it is, and the farther away from the incident it is, the less likely the evidence will be accepted.
Fast Results
If you are going to be considerably down on your luck financially because of an auto-related incident, then it makes sense to want rapid resolution. For most people, this entails filing quickly post-event and making sure the claim is followed through with the assistance of our personal injury law firm. The sooner a claim is put forward, the faster it will be investigated. This works to your benefit and to the advantage of The Farmers Insurance company too.
Being in a car accident or suffering other types of damage to your vehicle is never an easy thing to go through. Whether you are personally injured as a result, or you have suffered emotionally is a big factor too. However, the main thing to consider is when to submit your claim and the answer will always be, as soon as you can! This way, there will be fewer delays and your policy will be protected in future events.
Contact our legal team at What’s My Case Worth to find out how to proceed with an insurance claim correctly and within an appropriate timeframe. We will help you submit the right evidence, and do everything in the most suitable way so that your claim is not denied or delayed.
