# Car Accident Claim With Farmers | Attorney Brian White **Table of Contents***[*Expand*]* 1. What to Do After a Car Accident in Texas 2. Filing an Insurance Claim with Farmers Insurance 3. Negotiating a Settlement with Farmers Insurance 4. Understand the Value of Your Personal Injury Claim 5. Do Not Let the Statute of Limitations Expire 6. Contact Our Texas Car Accident Lawyer for a Free Consultation  ![How to Handle a Car Accident Claim with Farmers Insurance](https://attorneybrianwhite.com/wp-content/uploads/2021/02/iStock-1033598734-300x200.jpg) [Farmers Insurance](https://www.farmers.com/about-us/) was founded in California in 1928 by two men. It has grown into The Farmers Insurance Group of Companies. Together, Farmers Insurance companies are one of the largest insurers of homes, vehicles, and small businesses in the United States. Because Farmers Insurance is one of the largest insurance companies in the country, you might likely encounter the company if you are involved in a [car accident](https://attorneybrianwhite.com/houston-tx/car-accident-lawyer/). Knowing how to handle car accident [claims](https://attorneybrianwhite.com/blog/claim-vs-lawsuit/) with Farmers Insurance can help you avoid some of the common mistakes people make that hurt their chance of recovering fair compensation for their injury claim. ## **What to Do After a Car Accident in Texas** Before you file an accident claim, there are several things that you should do after an accident.  After any car accident, you should: - [Call 911](https://attorneybrianwhite.com/faqs/should-i-call-911-after-a-car-accident-in-houston/) to report the accident and request assistance from police and emergency medical services - If possible, ask eyewitnesses to give you their contact information before they leave the accident scene - Take pictures of the crash scene and make a video of the accident scene with your cell phone (only if it is safe for you to do so) - Do not discuss the accident with anyone other than the police officer - [See a doctor](https://attorneybrianwhite.com/faqs/how-long-do-you-have-to-go-to-a-doctor-after-a-houston-car-accident/) as soon as possible to document your injuries - Keep detailed notes of all conversations regarding the accident - Stop posting information online or using social media accounts until you settle your accident claim or talk with an accident lawyer Gather information that you will need to [file a claim](https://attorneybrianwhite.com/faqs/how-long-do-i-have-to-file-a-car-accident-claim-in-texas/) with Farmers Insurance, including your insurance information, copies of any documents received at the accident scene, and a copy of the accident [report](https://attorneybrianwhite.com/faqs/faqs-about-car-accident-reports-in-texas/). You will need the other driver’s name and information to [file an insurance claim](https://attorneybrianwhite.com/blog/settling-a-personal-injury-claim-with-an-insurance-company/). Always notify your insurance company immediately after the accident. You may have coverage that applies regardless of who was at fault for the auto accident. For a legal consultation call [(713) 500-5000](tel:+17135005000) ## **Filing an Insurance Claim with Farmers Insurance** Farmers Insurance has an [online claims service center](https://www.farmers.com/cmp/s/filealoss?SO=01) or a 24/7 call center. You can begin a claim online or call 1-800-435-7764 to file the claim.  You will be required to complete a questionnaire online or answer questions by telephone with an agent. Be careful how you answer questions during the initial filing of a claim with Farmers. [Do not accept fault](https://attorneybrianwhite.com/faqs/is-it-a-mistake-to-admit-fault-after-a-car-accident/) for the cause of the accident, and do not state that you are not injured, or your injuries are not serious. After you report the accident to Farmers Insurance, it will assign a claims adjuster to investigate your claim. The adjuster’s job is to determine whether the company is liable for your damages. There must be [evidence](https://attorneybrianwhite.com/blog/understanding-evidence-in-a-personal-injury-case/) proving that the insured driver caused the accident.  An important thing to keep in mind. The [insurance adjuster](https://attorneybrianwhite.com/blog/insurance-adjuster-in-personal-injury-cases/) works for Farmers Insurance. His job is to protect the company by limiting the company’s [liability](https://attorneybrianwhite.com/faqs/whats-liability/) for accident claims. What does that mean for you? That means insurance adjusters try to undervalue or [deny claims](https://attorneybrianwhite.com/faqs/what-happens-if-your-insurance-claim-is-denied/) so the company can [avoid paying a large settlement](https://attorneybrianwhite.com/blog/the-inside-scoop-on-how-insurance-companies-will-fight-your-personal-injury-claim/) for an accident claim. Therefore, if you were seriously injured in the car crash, the adjuster pressures you to provide a formal statement, or the adjuster tries to blame you for the cause of the accident, you may want to [consult with experienced](https://attorneybrianwhite.com/faqs/when-do-you-need-a-houston-car-accident-lawyer/) personal injury attorneys before you talk to the adjuster.  ## **Negotiating a Settlement with Farmers Insurance** If you decide to handle the claim process yourself, the adjuster may issue you a [settlement](https://attorneybrianwhite.com/blog/basic-personal-injury-settlement-breakdown/) offer to resolve your claim. There are a few things to keep in mind about settlement offers: - The settlement offer is a legally binding agreement that releases all future claims and parties  - Insurance companies generally make settlement offers for less than the value of injury claims - You should not settle an accident claim until you complete medical treatment, and your doctor states whether you have permanent impairments - Make sure that you understand the [types of damages](https://attorneybrianwhite.com/blog/types-of-damages-available-in-personal-injury-cases/) you can include in the settlement offer and the value of your damages according to personal injury law - You can [negotiate for a higher settlement amount](https://attorneybrianwhite.com/blog/tips-for-negotiating-an-accident-settlement/) – You are not required to accept the initial offer from Farmers Insurance  Insurance claims that involve minor injuries and only a few thousand dollars in medical bills may be handled by the accident victims.  However, if you are unsure [how much your accident claim is worth](https://attorneybrianwhite.com/blog/10-factors-that-determine-how-much-to-expect-from-a-car-accident-settlement/) or do not understand what damages you might be entitled to include in a claim, you may want to consider talking to experienced personal injury lawyers [before signing a settlement agreement](https://attorneybrianwhite.com/faqs/should-i-accept-a-settlement-offer-from-the-insurance-company/).  When you sign a [settlement agreement](https://attorneybrianwhite.com/blog/five-things-to-know-about-car-accident-settlement-agreements/) with Farmers Insurance, your claim is closed. Even if you discover that you have a [permanent disability](https://attorneybrianwhite.com/) or you need another surgery, you cannot demand more money for your claim.  Insurance companies write settlement agreements to protect their interests. Therefore, the agreements generally include language that releases the company, the other driver, and any other parties from further liability for your damages. [Click to contact](/contact-us/) us today ## **Understand the Value of Your Personal Injury Claim** Before [negotiating](https://attorneybrianwhite.com/blog/negotiation-in-personal-injury-cases/) a settlement after you filed a claim with Farmers Insurance, make sure you know how much your claim is worth. In most cases, you are entitled to compensation for your financial losses and expenses, such as: - [Medical bills](https://attorneybrianwhite.com/blog/how-to-handle-your-medical-bills-after-a-car-accident/) - [Lost income and benefits](https://attorneybrianwhite.com/faqs/can-i-be-reimbursed-for-lost-wages-after-a-car-accident/) - Travel expenses to and from doctors’ visits - Medications and medical supplies - Physical, occupational, and other therapies The value of your economic losses is the actual total of all the bills, invoices, and receipts you have as evidence of your financial damages. [Non-economic damages](https://attorneybrianwhite.com/faqs/what-are-non-economic-damages-in-texas/) are more difficult to calculate. These damages include the [pain and suffering](https://attorneybrianwhite.com/faqs/how-are-pain-and-suffering-damages-calculated/) you experienced because of the accident and your injury. There is not a formula for [calculating pain and suffering damages](https://law.utexas.edu/faculty/ravraham/putting-a-price-on-pain-and-suffering.pdf). Many insurance companies use a software program to place a value on these damages based on various factors. Generally, severe injuries and permanent impairments increase the value of pain and suffering damages. You may also be entitled to future [loss of income](https://attorneybrianwhite.com/faqs/what-is-the-difference-between-loss-of-income-and-loss-of-earning-potential/) and ongoing medical care for permanent impairments. For personal injury cases involving [catastrophic injuries](https://attorneybrianwhite.com/houston-tx/catastrophic-injury-lawyer/) and [permanent disabilities](https://attorneybrianwhite.com/), it is best to seek legal advice about the value of your injury claim. The claims adjuster for Farmers Insurance is not going to tell you the actual value of your claim. If you settle your claim based on advice from the insurance company, you could be cheating yourself out of thousands of dollars that you deserve. Complete a [Case Evaluation Form](/contact-us/) Now ## **Do Not Let the Statute of Limitations Expire** Car accident lawsuits are subject to the [Texas Statute of Limitations](https://statutes.capitol.texas.gov/Docs/CP/htm/CP.16.htm). Typically, you have two years from the accident date to [file a lawsuit](https://attorneybrianwhite.com/blog/statute-of-limitations-for-texas-car-accidents/). However, there are a few exceptions.  If the insurance company delays your claim, contact a lawyer to avoid losing your right to file a lawsuit. ## **Contact Our Texas Car Accident Lawyer for a Free Consultation ** If you have questions about a claim with Farmers Insurance, [contact our Houston law office](https://attorneybrianwhite.com/contact-us/) at [(713) 500-5000](tel:+17135005000) to schedule a free case review with one of our Texas car accident attorneys. We are familiar with Farmers [Insurance and its claim process](https://attorneybrianwhite.com/blog/the-insurance-claims-process/).  Call or Text [(713) 500-5000](tel:+17135005000) or Complete a [Case Evaluation Form](/contact-us/) Personal Injury Blog Posts: [![The Jones Act vs. The Longshore Act](https://attorneybrianwhite.com/wp-content/themes/brian-white/assets/app/img/default-thumb.webp)](https://attorneybrianwhite.com/blog/the-jones-act-vs-the-longshore-act/) [The Jones Act vs. The Longshore Act](https://attorneybrianwhite.com/blog/the-jones-act-vs-the-longshore-act/) Which law applies to an injured seaman, the Jones Act or the Longshore Act? This is a question that many [![Did You Know? 5 Real Texas Laws You Won’t Believe](https://attorneybrianwhite.com/wp-content/uploads/2025/08/Did-You-Know-5-Real-Texas-Laws-You-Wont-Believe-300x200.jpg)](https://attorneybrianwhite.com/blog/did-you-know-5-real-texas-laws-you-wont-believe/) [Did You Know? 5 Real Texas Laws You Won't Believe](https://attorneybrianwhite.com/blog/did-you-know-5-real-texas-laws-you-wont-believe/) Many real Texas laws are difficult to believe are still in effect, such as laws prohibiting spitting in public places [![Basic Personal Injury Settlement Breakdown: How Much Goes in My Pocket?](https://attorneybrianwhite.com/wp-content/uploads/2021/12/Basic-Personal-Injury-Settlement-Breakdown-How-Much-Goes-in-My-Pocket-300x176.jpg)](https://attorneybrianwhite.com/blog/basic-personal-injury-settlement-breakdown/) [Basic Personal Injury Settlement Breakdown](https://attorneybrianwhite.com/blog/basic-personal-injury-settlement-breakdown/) When you have a personal injury claim, you likely want to know how much money you will receive when your case settles [![Back Injury](https://attorneybrianwhite.com/wp-content/themes/brian-white/assets/app/img/default-thumb.webp)](https://attorneybrianwhite.com/blog/back-injury/) [Back Injury](https://attorneybrianwhite.com/blog/back-injury/) The spine is made up of many vertebrae (bones) that form a column from our neck to the base of our spine. --- Source: https://attorneybrianwhite.com/faqs/how-to-handle-a-car-accident-claim-with-farmers/