Legal Question in Insurance Law in Texas

what steps my i take to make farmers ins.pay claim.

11/17/03,my car recieved flood damages amounting to $13,000,according to Charlie Thomas acura.It's a 1996TL it's totalled.I have full coverage with Farmers Ins.I have had (3)three different claim adjusters assigned to this one claim.I call every day,they promissed to return my call,but only one adjuster called,Chris Smith.I want my money or my car repaired.What action can I take?

On 11/19/03,I purchased a home,it's also insured with Farmers.How may I get my money back and switch insurance company?


Asked on 12/10/03, 9:32 pm

1 Answer from Attorneys
Dan Street Street Law Firm

Re: what steps my i take to make farmers ins.pay claim.

All insurance companies have become bad about avoiding payment on legitimate claims; Farmers is among the worst. The only effective way of getting an insurance company to pay is to hire an attorney. After all, the insurance company knows that you really cannot do anything to them until you hire a lawyer. Even though lawyers charge fees (usually 35-40% of the "recovery"), most people would agree that "60-65% of something" is a lot better than "100% of nothing." And, in some cases, if your case actually goes to trial, you may be entitled to an award for attorneys fees.

As to getting a refund for your homeowners premium, GET INSURED WITH ANOTHER COMPANY FIRST, then cancel your policy with Farmers and request a refund. You will only get back a prorated refund (less the amount of insurance you "used"), but you WILL get a refund.

Read more
Answered on 12/10/03, 11:06 pm


Related Questions & Answers

More Insurance Law questions and answers in Texas