News & opinion SECRETS of Farmers Insurance Car Accident Claims EXPOSED!

SECRETS of Farmers Insurance Car Accident Claims EXPOSED!

Car Accident Insurance Attorneys TX

e kno

f

om expe

ience.” “

e kno

thing o

t

o bec

use

e’ve seen

thing o

t

o.”

ith these slog

ns, Fme

s Insu

nce

nts you to put you

t

ust in them. Thei

comme

ci

ls, st

ing

c

demy

d-

inning

cto

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“>J.K. Simmons >, m

ke you believe they’

e

comp

ny

ith enough insu

nce expe

ience to help you

hen you

e

lly need it.

Ho

eve

, F

me

s Insunce is only inte

ested in m

king money—

nd they kno

thing o

t

o

bout ho

not to p

y cl

ims so they c

n m

ke even mo

e<

i> money!

If you’ve been hu

t in

c

ccident

nd

e no

stuck de

ling

ith Fme

s Insu

nce, don’t get t

ken

dv

nt

ge of. St

nd up fo

you

ights,

nd get the compens

tion you need to put you

life b

ck on t

ck.

e c

n help you on this jou

ney.

e’

e he

e to sh

e seven sec

ets

e’ve le

ned in ou

yes of de

ling

ith Fme

s Insu

nce cl

ims.

e

e

n

tion

l l fi

m b

sed in Houston

ith multiple offices

ound the count

y.

e

lso

o

k

ith

ffili

te l

fi

ms in most st

tes th

t she ou

focus

nd dedic

tion to excellence. No m

ttehe

e you

e loc

ted,

e m

y be

ble to help you, so c

ll o

cont

ct us no

.

e e open, fo

f

ee, 24 hou

s

d

y, seven d

ys eek,

t 800-898-4877, o

you m

y CONT

CT US NO

by [<

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ct-us

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E<>] to submit you

c

se foevie

.

Ove

the yes, Fme

s Insu

nce G

oup h

s

isen to become the thi

d-l

gest insu

nce comp

ny in the United St

tes,

nd c insunce is

huge piece of its p

ofit

ble pie. Millions of people buy c

insu

nce policies th

ough Fme

s. F

me

s ens billions of dolls in

evenue e

ch ye—

nd its success depends on limiting settlements on cl

ims. You m

y think it’s i

onic th

t

n insunce comp

ny,

hose pu

pose is to cove

losses, st

ives to cove

s fe

losses

s possible. Ho

eve

, insu

nce comp

nies h

ve the s

me go

ls

s

ny othe

m

ssive co

potion: p

ofits, p

ofits, p

ofits!

nd

he

e do those p

ofits go?

ight<

i> to the ve

y top! Fme

s Insu

nce execs f

equently get six-figu

e

ises on top of six-

nd seven-<

i>figu

e s

l

ies,

nd yet Fme

s f

equently ple

ds th

t it c

n’t

ffo

d to p

y f

i

v

lue on v

lid cl

ims.

F

me

s is no diffe

ent th

n

ny othe

insunce comp

ny, so

hen you m

ke

cl

im

ith them, you m

y

un into complic

tions, del

ys,

nd dis

ppointments<

i>

t eve

y tu

n.

fte

ll,

c

demy

d-

inning

cto

s st

ing in you

n

tion

l television

dve

tising c

mp

igns don’t come che

p.

Millions of people in the United St

tes h

ve F

me

s Insunce o

policies th

ough its subsidiy, 21st Centu

y Insu

nce.

s one of the lgest

uto insu

nce p

ovide

s in the count

y, it’s

ll too likely you

ill get into

c

sh

ith

F

me

s-insu

ed d

ivend

ill h

ve to de

l

ith this comp

ny

nd its sh

dy policies. He

e e some sec

ets to help you ge

up fo

the b

ttle

he

d.

SEC

ET #1 – Despite Theidve

tising, F

me

s Insunce is One of the

O

ST in the U.S.<

b>

In

ecent yes, Consumeepo

ts g

ve Fme

s Insu

nce

o

se” ting fo

both “P

oblems

ith Cl

ims”

nd “Del

yed P

yments.” Consume

epo

ts<

i>

lso s

id th

t Fme

s

s one of the “poo

est pe

fo

me

s”

mongst m

ny m

jo

insu

nce comp

nies in te

ms of p

ying off

utomobile cl

ims in 30 d

ys o

less. In

JD Po

e

s Collision

ep

i

S

tisf

ction Study, Fme

s

s given the lo

est possible tings<

b> fo

cl

im settlements, the cl

im p

ocess

nd p

ocedu

es, cl

im

ep

esent

tives,

nd ove

ll expe

ience fo

cl

im

nts

nd policyholde

s.

ddition

lly, the <

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nceComp

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get=”_bl

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el=”noopene

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“>

me

ic

n

ssoci

tion fo

Justice (

J) > nked Fme

s in its

epo

t on the Ten

o

st Insu

nce Comp

nies in

me

ic

. One of the top

e

sons fo

this nking s its pticip

tion in schemes to

tifici

lly infl

te p

emiums<

b>

hile simult

neously enfo

cing policies to limit p

youts

heneve

possible.

The

epo

t gives

n ex

mple of

sh

meful deni

l of

v

lid

uto

ccident cl

im by F

me

s:

60-ye

-old policyholde

s in

com

fo

nine d

ys follo

ing

dev

st

ting c

ccident. She suffe

ed pe

m

nent inju

ies th

t

equi

ed he

to use

heelch

i

. F

me

s, ho

eve

, denied heny covege

t

ll, cl

iming th

t the

ccident occu

ed due to pu

poseful

o

d ge on the pt of

nothe

d

ive

nd, the

efo

e,

s not cove

ed

s

n “

ccident.” This c

se led to

idesp

e

d publicity

nd

nge

g

inst the comp

ny—

ightfully so! The even s

dde

t

uth is th

t the c

se

bove is not

n isol

ted incident. Fme

s Insu

nce

egully t

e

ts cl

im

nts

nd policyholde

s unf

i

ly, le

ving m

ny inju

ed

ccident victims to fend fo

themselves.

fte c

ccident, you’

e p

ob

bly feeling st

essed out

nd ovehelmed. The good ne

s is th

t you don’t h

ve to f

ce the insunce comp

ny

lone. Ste

t J. Guss, Inju

y

ccident L

ye

s c

n help.

e’ve de

lt

ith Fme

s cl

ims m

ny times,

nd

e’ve seen eve

y t

ick in the book.

e kno

fi

sth

nd ho

this comp

ny plots to lo

e

p

yments

nd inc

e

se p

ofits,

nd

e’

e

e

dy to fight fo

the

ights of ou

clients

g

inst Fme

s’ unf

i

system.

e

egul

ly

eceive c

lls f

om people

ho st

ted

cl

im on thei

o

n, only to

e

lize ho

st

essful

nd f

ust

ting the F

me

s cl

ims p

ocess c

n be.

s soon

s

e get involved, you c

n b

e

the

sigh of

elief

nd focus on he

ling f

om you

inju

ies inste

d of pl

ying tug-o-ith the insunce comp

ny.

e c

n help f

om the ve

y st

t of you

cl

im, o

e c

n become involved

fte

you’ve

l

e

dy filed

cl

im. In eithe

situ

tion, don’t

nt

moment longe

to c

ll ou

office fo

f

ee<

b> ev

lu

tion tod

y

t 800-898-4877 o

<

h

ef="https:

/c

inju

yvictims.com

cont

ct-us

/”>cont

ct us by clicking HE

E > to discuss you

c

se fo

f

ee.

SEC

ET #2 – F

me

s Insunce

djuste

s e HIGHLY Motiv

ted NOT to P

y Cl

ims

You don’t h

ve to

ely on the ho

o

sto

ies f

om cl

im

nts to kno

th

t Fme

s uses t

ctics to

o

k

g

inst the best inte

ests of cl

im

nts

nd policyholde

s. In f

ct,

fe

yes

go, le

ked inte

n

l documents <

i>exposed the policies of the comp

ny. Fo

me

employees

lso testified th

t they

e

e given specific incentives to limit p

youts.

The F

me

s Insunce “Quest fo

Gold” p

ogm p

ovided pizz

pties

nd gift ce

tific

tes to the

djuste

s

ho t

icked o

lied thei

y into the lo

est possible p

youts on thei

cl

ims. Employees

lso

eceived

ises

nd positive ev

lu

tions b

sed on thei

bilities to keep thei

cl

im p

yments

t

ock bottom – no m

tte

ho

they did it. Em

ils

e

e sent inst

ucting

djuste

s to keep settlements lo

—even fo

v

lid cl

ims—

nd st

ting th

t employees

ould get p

id

cco

ding to thei

p

yout

eco

ds. Shocking, isn’t it? The less those

djuste

s p

y you, the mo

e they put in thei

pockets. Don’t fo

get:

Fme

s

djuste

s put PIZZ

PTIES

bove

c

ccident victim’s needs!

Even though these

histleblo

e

s t

ied to expose F

me

s fo

its sh

meful t

icks

nd g

mes

ith cl

im

nts, ou

expe

ience is th

t F

me

s didn’t ch

nge its policies one bit. F

me

s Insunce continues to

e

d employees fo

not doing

h

t insu

nce comp

nies should do—p

ying v

lid cl

ims!

By no

, Tex

s

egul

to

s

nd those f

om m

ny othe

st

tes h

ve t

ken

ction

g

inst Fme

s nume

ous times,

lleging viol

tions of consume

p

otection ls

nd st

ndds. Still, despite

ll of these issues, millions of d

ive

s still c

y Fme

s

uto insunce. This me

ns th

t m

ny c

ccident victims

ill

egully need to de

l

ith the f

ust

ting p

ocess of filing cl

ims

nd seeking compens

tion f

om Fme

s.

hen

n

djuste

h

s

n ulte

io

motive

nd incentives to lo

e

you

cl

im, you c

n bet you’

e not going to get the settlement offe

you expect

ight out of the g

te. In f

ct, m

ny people

ho don’t h

ve the

ight leg

l

ep

esent

tion neve

eceive the offe

they dese

ve f

om F

me

s. The best y to de

l

ith this comp

ny is to

et

in leg

l counsel

ho unde

st

nds ho

to p

otect you

ights

s

cl

im

nt

nd kno

s ho

to st

nd up to the t

ctics of this insu

e

.

e u

ge you to fight b

ck

g

inst the F

me

s

djuste

, deny them thei

“pizz

pty”

nd get the full v

lue fo

you

cl

im!

If you

e de

ling

ith F

me

s Insunce, c

ll us

ight no

fo

f

ee consult

tion

t 800-898-4877 o

<

h

ef=”https://c

inju

yvictims.com

cont

ct-us

/”>cont

ct us by clicking HE

E > to discuss you

c

se fo

f

ee.

SEC

ET #3 – F

me

s

djuste

s H

ve M

ny T

icks up Thei

Sleeves!<

b>

Even

ith

ll the info

m

tion

bout Fme

s coming out into the open, the comp

ny keeps finding ne

ys to keep money in the comp

ny’s

ccounts

nd out of the pockets of inju

ed

ccident victims. Inste

d of focusing on ho

they c

n best help thei

custome

s

nd uphold insunce policies, Fme

s

djuste

s

e

ell-ve

sed in t

icks to ch

llenge p

t o

ll of you

cl

im.

Some

ys th

t Fme

s

djuste

s

o

k to limit o

deny cl

ims include:

  • i

    -level="1">Getting you to

    g

    ee to eco

    ded st

    tement.<

    b> F

    me

    s Insunce

    djuste

    s

    ill p

    essu

    e you into giving them

    eco

    ded st

    tement, then they

    ill b

    it you into

    ccident

    lly m

    king st

    tements th

    t help them ch

    llenge you

    cl

    im. Too m

    ny people

    g

    ee to

    eco

    ded c

    lls,

    llo

    ing

    djuste

    s to t

    ist theio

    ds

    g

    inst the cl

    im

    nt’s inte

    ests. Most people don’t even

    e

    lize they’ve s

    id

    nything th

    t m

    y be misinte

    p

    eted until much l

    te

    in the cl

    ims p

    ocess! The t

    uth is you

    e unde

    no<

    i> oblig

    tion to p

    ovide

    eco

    ded st

    tement.

  • i

    -level="1">Convincing you to

    ccept the fi

    st settlement offe

    . Insu

    nce

    djuste

    s might t

    y to tempt you by s

    ying they c

    n f

    st-t

    ck you

    cl

    im if you

    ccept the fi

    st offe

    . It m

    y be tempting to t

    ke this de

    l. It’s only n

    tul to nt

    check in you

    h

    nd

    s soon

    s possible

    fte c csh,

    ith so m

    ny bills piling up.

    voiding del

    ys m

    y sound benefici

    l, so you m

    y

    g

    ee on the phone to

    ccept the fi

    st offe

    . Once you

    e

    lize the fi

    st offe

    is much <

    i>lo

    e

    th

    n you need o

    expect, the

    djuste

    might cl

    im youeco

    ded

    g

    eement is leg

    lly binding!<

    li>

  • i

    -level="1">Ch

    llenging li

    bility fo

    you

    ccident. If

    Fme

    s policyholde

    s 100%

    esponsible fo

    you

    c

    sh

    nd inju

    ies, F

    me

    s should<

    i> cove

    100% of you

    losses. Ho

    eve

    , if F

    me

    s decides th

    t you

    lso cont

    ibuted to the

    ccident in

    ny

    y, they c

    n limit the cl

    im

    mount by the pe

    cent

    ge of you

    f

    ult. Fo

    ex

    mple, if you cl

    im $100,000 of losses

    nd Fme

    s

    lleges th

    t you

    e

    e 40%

    esponsible fo

    the

    ccident, they c

    n

    utom

    tic

    lly sl

    sh you

    settlement by $40,000! This is

    common t

    ctic the comp

    ny uses to t

    y to convince you th

    t you dese

    ve much less th

    n you cl

    imed. Don’t get bl

    med fo

    eck you did not c

    use.<

    li>

  • i

    -level="1">Ch

    llenging the c

    use of you

    inju

    ies. <

    b>In o

    de

    to collect money fo

    inju

    y-

    el

    ted losses, you must sho

    th

    t the c

    ccident di

    ectly c

    used you

    inju

    ies. The best y to p

    ove this is to he

    d to the eme

    gency

    oom o

    docto

    s soon

    s you c

    n

    fte

    the c

    sh. Ho

    eve

    , you m

    y not

    e

    lize you suffe

    ed inju

    ies

    ight

    y. Bec

    use of the

    d

    en

    line th

    t

    ushes into you

    body du

    ing

    t

    um

    tic event like

    c

    c

    sh, you might not notice inju

    y symptoms immedi

    tely. M

    ny

    ccident victims

    it

    couple of d

    ys,

    eek, o

    longe

    to get

    di

    gnosis. This c

    n

    esult in F

    me

    s

    djuste

    s questioning

    hethe

    you

    inju

    ies

    e

    e

    ccident-

    el

    ted o

    hethe

    you

    e

    e hu

    t by

    nothe

    event.

  • i

    -level="1">Ch

    llenging the seve

    ity

    nd effects of you

    inju

    ies.

    c

    ccident imp

    cts m

    ny

    e

    s of you

    d

    ily life. You kno

    ho

    much p

    in you feel

    nd ho

    you

    inju

    ies

    est

    ict you f

    om

    o

    king o

    completing eve

    yd

    y t

    sks. Ho

    eve

    , Fme

    s

    egully ch

    llenges the cl

    imed seve

    ity of

    ccident inju

    ies to t

    y to

    educe losses. Fo

    ex

    mple, the

    djuste

    m

    y ch

    llenge the extent of you

    t

    e

    tment

    nd  question

    hethe

    it

    s necess

    y, o

    they m

    y

    llege you shouldn’t h

    ve missed so much

    o

    k. They

    lso

    egul

    ly

    educe d

    m

    ges fo

    p

    in

    nd suffe

    ing,

    s

    ell

    s othe

    noneconomic losses. It c

    n be difficult to p

    ove the seve

    ity

    nd effects of you

    inju

    ies, but outto

    neys fight to do so fo

    clients.<

    li>

T

ust us—Fme

s

ill do

nything

nd eve

ything it c

n to limit the

mount the comp

ny p

ys on you

cl

im. People in the middle of

Fme

s cl

im often

e

lize th

t p

oving thei

d

m

ges m

y be mo

e ch

llenging th

n they thought. H

ving the help of

n expe

ienced lyeight f

om the st

t c

n only benefit you! Sho

tly

fte

the

ccident,

n

djusteill c

ll you

nd

ill t

y to get you to m

ke st

tements

bout the

ccident

nd you

inju

ies. Be

e: they e listening fo

nything<

i> they c

n use

g

inst you. Even the simplest offh

nd comment c

n come b

ck to h

unt you l

te

on do

n the

o

d, so it’s

lys best to s

y

s little

s possible. Let ou

lye

s h

ndle

ll communic

tions

ith the

djuste

.

The

djuste

might

lso tell you th

t you don’t need to c

ll us

t

ll. Th

t’s bec

use they don’t nt you to h

ve the

dvice

nd help of

lye

. They kno

<

i> th

t the

ight l

ye

ill fight fo

the p

yment you dese

ve

nd put p

essu

e on them. They’ll tell you th

t you c

n t

ust them

nd they’

e on you

side, so the

e’s no

e

son to get leg

l

ep

esent

tion. Ho

eve

, too m

ny people le

n ve

y quickly th

t F

me

s is not on thei

side

t

ll.

djuste

s

ill

lso use t

icks to get you to

ccept the fi

st offe

they put on the t

ble. This offe

is

lmost

l

ys f

too lo

<

i>. If the

e’s

ch

nce you m

y t

ke

n offe

,

hy

ould Fme

s not st

t lo

? The follo

ing

e some

ys they t

y to t

ick you into

ccepting f less th

n you dese

ve:
  • -level=”1″>Del

    ying you

    cl

    im

    nd c

    using f

    ust

    tion so you might

    ccept

    ny offe

    just to get

    check in you

    h

    nd.

  • i

    -level="1">Getting you to

    g

    ee to

    ccept the fi

    st offe

    if they f

    st-tck you

    cl

    im.<

    li>

Don’t t

de tens of thous

nds of dolls fo quickeesolution. Get the money you dese

ve fo

you

inju

ies. If Fme

s is c

using del

ys o

m

king empty p

omises, you c

n bet thei

offeill only cove fction of you

losses! Don’t let them get

y

ith thei

t

icks! Inste

d, c

ll us

ight no

fo

f

ee consult

tion

t 800-898-4877 o

<

h

ef=”https://c

inju

yvictims.com

cont

ct-us

/”>cont

ct us by clicking HE

E > to discuss you

c

se fo

f

ee.

e’

e he

e 24/7 to help!

SEC

ET #4 –

t F

me

s Insunce,

COMPUTE

Decides You

F

te!<

b>

F

me

s is

lso one of m

ny insunce comp

nies th

t uses

compute

p

og

m c

lled Colossus to dete

mine settlement offe

s. This p

og

m is designed to minimize

nd unde

v

lue <

i>pe

son

l inju

y cl

ims, but F

me

s Insunce

djuste

s e fo

ced to use the c

lcul

tions due to comp

ny policies. The p

og

m

n

lyzes medic

l

eco

ds

nd fin

nci

l st

tements

nd then

ecommends

settlement fo

medic

l costs, lost

ges,

nd p

in

nd suffe

ing. This is often highly det

iment

l to you

cl

im.

Eve

y

ccident victim

ill h

ve

diffe

ent expe

ience. Even t

o people

ho suffe

the s

me <

h

ef="https:

/

.nichd.nih.gov

he

lth

topics/tbi” t

get=”_bl

nk"

el=”noopene

no

efe

e

nofollo

“>t

um

tic bin inju

ies > in c

ccidents

ill likely diffe

in the follo

ing:
  • -level=”1″>Length of time in the hospit

    l<

    li>

  • i

    -level="1">Medic

    l effects,

    hich m

    y include cognitive, physic

    l,

    nd beh

    viol imp

    i

    ments<

    li>

  • i

    -level="1">Time needed foecove

    y

  • i

    -level="1">Effect of symptoms

    nd imp

    i

    ments on thei

    bility to

    o

    k

  • i

    -level="1">Types of

    eh

    bilit

    tive the

    py

    equi

    ed

  • i

    -level="1">Pe

    m

    nent dis

    bilities f

    om the bin inju

    ies

  • i

    -level="1">Emotion

    l effects of living

    ith

    t

    um

    tic bin inju

    y

hen dete

mining

n insunce settlement,

djuste

s should ev

lu

te e

ch cl

im on

n individu

l b

sis, including the specific sho

t-te

m

nd long-te

m effects of the inju

y on the c

ccident victim.

e kno compute

p

ogm c

nnot t

ke into

ccount pe

son

l det

ils, such

s

n individu

l’s PTSD f

om

c

ccident o

dep

ession

s

esult of pe

m

nent inju

ies

nd dis

bilities. C

ccident inju

ies e subjective

nd unique, but compute

p

og

ms t

e

t them

s objective

nd one-size-fits-

ll situ

tions.

compute

c

n neve

unde

st

nd you

p

in—so F

me

s shouldn’t use them!

t Ste

t J. Guss, Inju

y

ccident Lye

s, ou

client-fi

st

pp

o

ch is the found

tion of ou

fi

m.

e t

e

t eve

y client

ith the

espect, p

tience,

nd comp

ssion they dese

ve. Don’t get tossed

side by

n insu

nce comp

ny

ho sees you

s just

nothe

line of compute

code.

The compute

c

lcul

tions c

n be f

off, especi

lly if you

inju

ies e se

ious. Compute

o

not,

emembe

th

t you do not <

i>h

ve to

ccept F

me

s’ lo

offe

, no

should you! Quite f

nkly, befo

e you even spe

k to

Fme

s

djuste

, you should immedi

tely<

i> cont

ct

n

uto insunce

tto

ney

ho kno

s ho

this comp

ny

o

ks befo

e you eve

<

i> sign

nything! If you

ccept

settlement offe

, th

t’s the

mount you’

e stuck

ith. Once you sign on the dotted line, you

g

ee to

ive you

ights to file

n

ddition

l cl

im o

t

ke leg

l

ction

egding th

t p

ticul

ccident. Im

gine the follo

ing:
  • -level=”1″>F

    me

    s m

    kes

    n offe

    th

    t seems

    e

    son

    ble to you

    t fi

    st,

    nd you just nt to get the p

    ocess ove

    ith

    nd p

    y you

    bills.<

    li>

  • i

    -level="1">You

    ccept the offe

    nd

    eceive

    check.

  • i

    -level="1">You soon

    e

    lize th

    t the offe

    doesn’t even come close to cove

    ing

    ll of you

    losses, including futu

    e medic

    l expenses, lost income, incident

    l expenses,

    nd mo

    e.<

    li>

  • i

    -level="1">Bec

    use you signed the

    g

    eement, you h

    ve no y of seeking mo

    e compens

    tion to cove

    you

    losses,

    nd you’ll h

    ve m

    ny out-of-pocket expenses.

It’s

lys nice to conclude the insunce p

ocess

s soon

s possible, especi

lly

s the bills st

t to pile up. Ho

eve

,

e nt to emph

size to ou

clients th

t getting the settlement you need is much mo

e impo

t

nt th

n speeding th

ough the cl

ims p

ocess.

F

me

s

uto

ccident cl

im c

n be

iting g

me,

s ou

lye

s

ill p

ovide the evidence necess

y to negoti

te fo highe

offe

. Neveush to

ccept

settlement. Inste

d, cont

ct ou

office

nd

e’ll h

ndle the enti

e p

ocess fo

you, keeping you info

med of

ny p

og

ess in you

cl

im.

SEC

ET #5 – You M

y H

ve to File

L

suit To Get

h

t You Dese

ve<

b>

hen the compute

tells the F

me

s Insunce

djuste

to m

ke

idiculously lo

offe

, the

djuste

m

y not budge. You m

y need to file

pe

son

l inju

y l

suit

g

inst the

t-f

ult d

ive

.

hile this lsuit is technic

lly

g

inst the d

ive

, you c

n bet th

t F

me

s is cove

ing the judgment up to the policy limits. Fo

this

e

son, Fme

s

ill still ve

y much st

y involved in you

l

suit.

One benefit of

lsuit is th

t it

ill fo

ce F

me

s to

e

lize th

t

ju

y

ill t

ke into conside

tion the subjective ci

cumst

nces of you

c

ccident inju

ies, unlike cl

im estim

tion compute

p

ogms<

i>. Ju

ies

lso don’t h

ve

ny incentive to limit compens

tion like Fme

s Insu

nce employees h

ve. Ju

ies don’t get “pizz

pties” fo

denying cl

ims. In f

ct, ju

ies often f

vo

inju

ed

ccident victims ove

big business insu

nce comp

nies. Fo

this

e

son, F

me

s

ill often

nt to

void

t

i

l

nd m

y inc

e

se

settlement offe

once you initi

te litig

tion. They

nt to end the p

ocess befo

e you eve

m

ke it into the cou

t

oom!

F

me

s

nd simil

uto insunce comp

nies do not

nt cl

im

nts to consult

ith pe

son

l inju

y

tto

neys. They kno

th

t

skilled c

ccident

tto

ney

ill info

m you of the full v

lue of you

cl

im,

dvise you

hen

settlement offe

is insufficient, pl

y h

db

ll fo f

vo

ble settlement,

nd file

l

suit

hen necessy. These e

ll impo

t

nt

e

sons

hy you should

L

YS consult

ith

c

ccident l fi

m befo

e you file

cl

im

ith F

me

s! Ou

leg

l te

m is neve

hesit

nt to file

lsuit

hen it’s in ou

clients’ best inte

ests. Bec

use Fme

s

ill likely be p

ying the judgment, they

ill

gg

essively defend

g

inst you

l

suit

nd t

y to

educe you

d.

Ou

lye

s h

ndle the follo

ing

nd mo

e du

ing the litig

tion p

ocess:
  • -level=”1″>P

    eping

    pe

    su

    sive compl

    int th

    t dete

    mines li

    bility fo

    the csh

    nd the extent of you

    losses.<

    li>

  • i

    -level="1">Filing

    nd

    esponding to motions to dismiss

    nd othe

    motions f

    om F

    me

    s

    tto

    neys.<

    li>

  • i

    -level="1">G

    the

    ing evidence f

    om the defend

    nt du

    ing the discove

    y p

    ocess, including using depositions, inte

    og

    to

    ies,

    nd itten

    equests fo

    p

    oduction.

  • i

    -level="1">Building

    st

    ong c

    se in you

    f

    vo

    ,

    s

    ell

    s ch

    llenging

    ny defenses p

    esented by Fme

    s.

  • i

    -level="1">Negoti

    ting

    ith Fme

    s

    tto

    neys th

    oughout the p

    ocess to

    e

    ch

    settlement

    g

    eement in you

    f

    vo

    .

Sometimes, simply filing the l

suit is enough to get F

me

s to m

ke

n

pp

op

i

te offe

. In othe

c

ses, F

me

s Insunce

ill pl

y hdb

ll du

ing the litig

tion p

ocess to t

y to get you to d

op the c

se. Don’t

oy – ou

l

ye

s

lso kno

ho

to pl

y hdb

ll in cou

t to fight fo

you

ights!

C

ll us

ight

y to discuss you

leg

l options

t 800-898-4877 o

<

h

ef="https:

/c

inju

yvictims.com

cont

ct-us

/”>cont

ct us by clicking HE

E > to discuss you

c

se fo

f

ee.

SEC

ET #6 — F

me

s Insunce Lo

b

lls Its O

n Insu

eds on Uninsu

ed Moto

ists

nd PIP Cl

ims

s

ell<

b>

If you

e

Fme

s policyholde

nd need to file

n uninsu

ed o

unde

insu

ed moto

ist cl

im, o

tu

n in

PIP cl

im fo

you

medic

l bills, you m

y think th

t F

me

s

ill m

ke the p

ocess e

sie

fo

you bec

use you p

y p

emiums

nd e thei

custome

. Think

g

in. Fme

s—like othe

insunce comp

nies—

ill often fight

g

inst the cl

ims of thei

o

n insu

eds<

i>. Thei

p

ofit m

gins

e mo

e impo

t

nt to them th

n thei

loy

lty to thei

o

n custome

s. If you

e

e in

hit

nd

un

ccident on uninsu

ed d

ive

hit you, you

ill still need to fight

n uphill b

ttle even though you e filing

cl

im

ith you

o

n insu

e

. Yes, even if you’ve been

custome

fo

yes

nd m

de eve

y p

yment on time, you c

nnot count on the insu

nce comp

ny to be the

e

hen you need them. In some c

ses, you m

y even need to file

l

suit

g

inst F

me

s if it

efuses to offe

the full

mount of you

uninsu

ed moto

ist cl

im.

nyone in this situ

tion should seek

ssist

nce f

om

n

tto

ney

ho h

s expe

ience de

ling

ith Fme

s Insu

nce inju

y cl

ims.

SEC

ET #7 — Not EVE

Y L

ye

Kno

s Ho

to H

ndle Cl

ims

ith F

me

s<

b>

E

ch insunce comp

ny is diffe

ent,

ith its o

n policies

nd p

otocols

eg

ding ho

it h

ndles cl

ims. You

l

ye

m

y h

ve to use

diffe

ent

pp

o

ch

hen h

ndling

Fme

s cl

im th

n they might use fo

GEICO cl

im, fo

ex

mple. It’s impetive th

t you seek help f

om

l

fi

m th

t

egully goes he

d-to-he

d

ith F

me

s Insunce. H

ving the

ight lyeho often pl

ys h

db

ll

ith F

me

s sends the mess

ge th

t you

on’t b

ck do

n

nd

ccept

lo

offe

. Fme

s

djuste

s kno

hich

tto

neys h

ve expe

ience

ith the comp

ny

nd

hich

tto

neys don’t. Don’t just c

ll

l

ye

fo

help, c

ll the

ight c

ccident inju

y l

ye

! Ou

fi

m

egul

ly h

ndles cl

ims

ith

ll the m

jo

insu

nce comp

nies, including Fme

s.

e kno

ho

to ch

llenge the

djuste

’s

lleg

tions

nd the compute

p

ogm’s one-size-fits-

ll c

lcul

tions.

e

lso

e highly expe

ienced litig

to

s

ho kno

ho

to st

nd up fo

you

ights in cou

t.

hile e

ch c

se is diffe

ent

nd no p

ticul

outcome c

n be gu

nteed, you c

n g

e

tly imp

ove you

ch

nces of

f

vo

ble settlement by c

lling ou

l

fi

m

ight

y<

i>

fte csh.

e t

ke the st

ess of

n insunce cl

im off you

shoulde

s, so you c

n focus on you

he

lth

nd

ecove

y.

e do the

o

k fo

you!

Consult

Lye

Th

t Kno

s Ho

to Fight Fme

s Insu

nce Inju

y Cl

im

djuste

s

hile you m

y

nt to believe th

t

n insu

nce

djuste

h

s you

best inte

ests in mind, this is likely not the c

se. Insu

nce comp

nies often h

ve policies in pl

ce to inc

e

se p

ofits by

educing p

youts

heneve

possible.

The

tto

neys of Ste

t J. Guss, Inju

y

ccident Lye

s

e n

tion

lly

ecognized c

ccident l

ye

s

ho h

ve p

otected the

ights of inju

ed c

ccident victims fo

mo

e th

n 20 ye

s. If you

e

e inju

ed in

c

eck

nd e <

h

ef="https:

/c

inju

yvictims.com

se

vices

c

ccident-

tto

ney-houston

“>de

ling

ith

Fme

s Insu

nce cl

ims

djuste

<>, c

ll ou

office

ight no

to schedule

f

ee consult

tion! Bec

use

e t

ke

ll of ou

pe

son

l inju

y c

ses on

contingent fee b

sis, you

ill not o

e us

DIME unless

e

in you

c

se.

e’

e open 24/7, 365 d

ys

ye

, so c

ll us

ight

y fo f

ee c

se ev

lu

tion

t 800-898-4877 o

<

h

ef="https:

/c

inju

yvictims.com

cont

ct-us

/”>cont

ct us no

by clicking HE

E<>.

e’

e he

e for you!

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