Dealing with an insurance company after a car accident in Tennessee can quickly become one of the most stressful parts of the recovery process. This is often true when the at-fault driver is insured through Farm Bureau Insurance of Tennessee. Although you might expect the corporation to treat you with respect, the truth is that they will do whatever they can to protect their profits.
Continue reading to learn about how Farm Bureau Insurance of Tennessee accident claims typically work in Tennessee, as well as what you can do to protect your rights and interests after a negligence-caused car crash.
What Does Farm Bureau Insurance of Tennessee Do After a Crash?
When a policyholder with Farm Bureau Insurance of Tennessee causes a collision, the company usually takes over the claim on that driver’s behalf. From that point forward, most communications and settlement discussions will go through an insurance adjuster assigned to the case.
The adjuster’s job is to investigate what happened and determine how much the company should pay under the policy. Keep in mind, however, that while the adjuster may sound helpful, their primary responsibility is to protect the insurer’s financial interests.
How Fault Is Evaluated Under Tennessee Law
Tennessee follows an at-fault system for auto accidents. This means the driver who caused the crash is responsible for the harm that resulted, and their insurance company is generally required to cover those losses. However, determining fault is not always straightforward,
The adjuster will typically review several types of evidence to make this decision, including:
- Police crash reports and witness statements
- Photographs of vehicle damage and the accident scene
- Traffic camera footage and other available recordings
- Medical records describing your injuries
Any disputes about these details can delay the claim and affect the amount the insurer is willing to offer.
Why Early Settlement Offers May Not Reflect All of Your Losses
It is common for insurance companies, including Farmers, to present an early settlement offer once basic information is gathered. While this may seem convenient, initial offers often focus only on your immediate medical bills and vehicle damage. They may not fully account for ongoing treatment and the long-term impact of your injuries, including your pain and suffering and other non-economic damages.
Accepting a settlement too quickly can prevent you from seeking additional compensation later. For this reason, it is important to evaluate any offer carefully before agreeing to resolve the claim.
Schedule a Free Consultation With Woodard Injury Law To Learn More
Handling an accident claim against an insurance company while recovering from injuries can feel like an extremely daunting task to say the least. Having legal representation on your side can make the process more manageable and help ensure that you actually secure all of the compensation you’re entitled to.
Contact Woodard Injury Law at (615) 880-6126 or message us online for a free consultation. We’ll do everything we can to hold the at-fault driver and Farm Bureau Insurance of Tennessee fully liable and put as much money into your pocket as possible. We also work on a contingency fee basis, which means you only pay attorney’s fees if we win your case.