SECRETS of Farmers Insurance Car Accident Claims 2021 - Stewart J. Guss, Injury Accident Lawyers

“

e kno

om expe

ience.” “

e kno

thing o

o bec

use

e’ve seen

thing o

o.”

ith these slog

ns, Fme

s Insu

nce

nts you to put you

ust in them. Thei

comme

ls, st

ing

demy

inning

cto

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“>J.K. Simmons >, m

ke you believe they’

comp

ith enough insu

nce expe

ience to help you

hen you

lly need it.

eve

, F

s Insunce is only inte

ested in m

king money—

nd they kno

thing o

bout ho

not to p

y cl

ims so they c

n m

ke even mo

e 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 [<
h
ef=”https://c

inju
yvictims.com
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ct-us
“>CLICKING HE
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 to the ve
y top! Fme
s Insu

nce execs f
equently get six-figu
e

ises on top of six-
nd seven-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
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.

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
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 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 <
h
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J_
epo
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o
stInsu

nceComp
nies_FIN
L.pdf” t

get=”_bl
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el=”noopene
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nofollo
“>
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
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 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 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!

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. 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 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 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 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. 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 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
 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
. 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!

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 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
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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 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
 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
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. 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

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. 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

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
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!

SECRETS of Farmers Insurance Car Accident Claims EXPOSED!

SEC
ET #1 – Despite Theidve
tising, F

me
s Insunce is One of the
O
ST in the U.S.<
b>

SEC
ET #2 – F

me
s Insunce
djuste
s e HIGHLY Motiv
ted NOT to P
y Cl
ims

Fme
s
djuste
s put PIZZ
PTIES
bove
c
ccident victim’s needs!

SEC
ET #3 – F

me
s
djuste
s H
ve M
ny T
icks up Thei
Sleeves!<
b>

SEC
ET #4 –
t F

me
s Insunce,
COMPUTE
Decides You
F
te!<
b>

SEC
ET #5 – You M
y H
ve to File
L

suit To Get
h
t You Dese
ve<
b>

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>

SEC
ET #7 — Not EVE
Y L

ye
Kno
s Ho
to H
ndle Cl
ims
ith F

me
s<
b>

Consult
Lye
Th
t Kno
s Ho
to Fight Fme
s Insu

nce Inju
y Cl
im
djuste
s

Testimonials

SEC ET #1 – Despite Theidvetising, F me s Insunce is One of the O ST in the U.S.<b>

SECET #2 – F me s Insunce djuste s e HIGHLY Motivted NOT to P y Clims

Fmes djustes put PIZZ PTIES bove c ccident victim’s needs!

SECET #3 – F me s djuste s Hve M ny Ticks up Thei Sleeves!<b>

SEC ET #4 – t F me s Insunce, COMPUTE Decides You F te!<b>

SEC ET #5 – You My H ve to File L suit To Get ht You Dese ve<b>

SECET #6 — F me s Insunce Lob lls Its On Insu eds on Uninsued Moto ists nd PIP Cl ims s ell<b>

SEC ET #7 — Not EVEY L ye Knos Ho to Hndle Cl ims ith F me s<b>

Consult Lye Th t Knos Ho to Fight Fmes Insu nce Inju y Clim djustes

Testimonials

Read More

SEC
ET #1 – Despite Theidve
tising, F

me
s Insunce is One of the
O
ST in the U.S.<
b>

SEC
ET #2 – F

me
s Insunce
djuste
s e HIGHLY Motiv
ted NOT to P
y Cl
ims

Fme
s
djuste
s put PIZZ
PTIES
bove
c
ccident victim’s needs!

SEC
ET #3 – F

me
s
djuste
s H
ve M
ny T
icks up Thei
Sleeves!<
b>

SEC
ET #4 –
t F

me
s Insunce,
COMPUTE
Decides You
F
te!<
b>

SEC
ET #5 – You M
y H
ve to File
L

suit To Get
h
t You Dese
ve<
b>

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>

SEC
ET #7 — Not EVE
Y L

ye
Kno
s Ho
to H
ndle Cl
ims
ith F

me
s<
b>

Consult
Lye
Th
t Kno
s Ho
to Fight Fme
s Insu

nce Inju
y Cl
im
djuste
s