Does anyone work for FARMER'S INSURANCE?

are you badly hurt?

-note to self: get a job at Farmers, and line them fuckers out.



Seriously, I hope you are allright.Insurance companies are pretty much a big racket, you pay and pay, but when the time comes that you actually need them, they dont really do shit for you.As much as it will suck, you should sue that fucker for all(whatever) he's worth.


get better soon

Chances are you'll have to sue. But seeing as the fella was drunk the case will be fairly open and shut I think.

Unless you sue, they will probably only offer you $500-$1000, plus medical bills. They are going to try to low-ball you, so you should be prepared to tell them how much you want and why. Take into consideration how much money you lost from missing work, they will pay you for that, too.

Get a good lawyer now.

Really. Trust me on this. I was rear-ended on my motorcycle at a red light by a doctor in her BMW last summer (totally her fault and she said so to me, and the cop, and the insurance company). I wasn't injured, thankfully.

Her insurance company fought me for months on a simple damage claim, refusing to pay the full amount. I ended up getting all of it less $200 but it took several months of weekly phone calls.

If you think court is expensive, wait till you see the unreimbursed medical bills if either of you are uninsured. A nasty letter from a lawyer will get 10X more action than a claimant representing themselves. After hiring the lawyer, don't talk to the insurance company yourself, let your lawyer do it - he'll have the insurance company put everything in writing. The insurance company's adjuster will likely knock 25% right off your claim, so have your independent estimator keep that in mind when he writes up the report on the bike for you to submit. Don't forget to include damaged accessories like helmets/motorcycle jackets ($$$) on the bike estimate where applicable.

Remember, insurance companies are in business to not pay you money, or to pay you as little as possible. You sound like you have a legitimate claim, so go after them like a pit bull and don't let go until you're satisfied. The squeaky wheel really does get the grease. Be very persistent., like a phone call every week to the claim agent.

Good luck. Insurance companies suck and I hope you get paid every cent you're owed.

Good advice Stiles, I agree you should get a lawyer right away. You should be able to get a good lawyer that will only get paid a percentage from any extra money you get. My wife and I were rea-rended and we couldn't get in touch with anyone. About 3 weeks after the accident we went to a lawyer, the next day the people were in touch with us. All of our bills got paid and we each got $1000 or $750 extra, the lawyer took about 25% from the extra that we got.

Also keep copies of any medical bills and get proof of any missed work and any other expenses due to the accident.


Also, hope your okay from it. And it just so happens I got an advertisement flier on my door yesterday from Farmers. I'll try and have a talk with them about the lap dance... I mean... uh... the uh... yeah.

[Edited on Jan 16, 2005 by HairyGod]

When you get a lawyer, get one through a referral from the Bar Association, or if you know a lawyer, through his or her recommendation. Do NOT hire those assholes who advertise everywhere. They suck, and they will settle for a smaller amount to make sure they get paid.

Hire the lawyer on an hourly basis, not on contingency. As open-and-shut as this case is, you're getting something out of it, and you can pay the lawyer from the money you get, which will be far less than you'd pay one of those "No fee unless you settle" assholes out of your judgment.



[Edited on Jan 16, 2005 by jake_lex]

Agreed, Jake. I should have specified in my post not to get one of the lawyers who advertise everywhere. My lawyer works hourly, which is a lot cheaper when all you need are a couple of nasty letters and a few followup phone calls.

I would check out the the website for the American Motocycle Association, ABATE, and other such organizations.....these are reputable organizations and they can give you some good leads on contacting a lawyer in your area who specializes in motorcycle injuries and accidents....and who is also a rider him/herself....if I were ever in that position I'd want to have a lawyer who rides...because if there is one thing all motorcyclists can agree on ....is that we ALL hate cars.

But yeah, you HAVE to get a lawyer.

Edited for an inappropriate joke...

[Edited on Jan 16, 2005 by thelastbeliever]

.

My dad is a house lawyer for Farmer's. So, there's little to no chance that he is going to want to do the opposite of what his job is.

Hope you're feeling okay.

Crap. My mom just signed me up for Farmer's insurance.

I have a quick joke for you. I think only British people will get this one though.

Two guys were stood in a field looking at a bunch of cows. All the cows were frozen solid. Then all of a sudden, this woman comes out of no-where and waves her hand and all of the cows defrost. One guy looks at the other and said "Who the fuck was that??", and the other guy turns round and says "That woman?? Oh it was Thora Herd"...

*chortle chorle*

I couldn't resist, sorry...

Yeah there is an old woman over here called Thora Herd. She might be dead now i'm not sure...