Did you suffer an accident due to another party’s negligence or misconduct? If so, you are entitled to compensation through an injury claim with the at-fault party’s insurance company. Since you are reading this article, it’s likely that you have filed a claim with Farmers Insurance already, or you are in the process of filling out your forms. If this is your first time with the injury claims process, you are probably wondering about the damages you can receive, including the wages you’ve lost from taking time off at work.
Most people who’ve been in an accident miss days from work to accommodate their recovery needs, and compensation for this time is available through insurance companies like Farmers. These payments are crucial, especially for those with serious injuries, who may need to take weeks or months away from their job. However, insurance companies can make it difficult for you to access these benefits.
In this article, we will cover a number of topics that are related to claiming lost pay if you were harmed by an individual or entity that’s insured by Farmers Insurance. These topics include:
- What documentation do I have to show to get lost wages compensation from Farmers?
- Why is Farmers refusing to pay for my lost wages?
- What are my rights if my claim is denied or I’m not getting all the compensation I am owed?
Since we can only offer general information, contact us if you have questions that are specific to your own case. An accident injury lawyer is available to speak with you during a free, no-obligation case review.
Does Famers have Pay for your Lost Wages if I Miss Work after an Accident?
If the physical and emotional limitations resulting from your accident caused you to miss time at work, you are entitled to lost wages from an insurance claim with Farmers. So why do they go to such great lengths to convince you otherwise? Frankly, it all comes down to profits. The more they pay you, the less profits they have, so it’s in their best interest to pay you as little as possible. Sadly, their tricks work on a lot of victims, who are desperate to secure any amount of money that they can. The lawyers of Normandie have many years of going up against insurance companies and recovering the highest payout available for a client’s injuries.
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How to Prove a Case for Lost Wages
The key to a strong and solid case for lost wages is evidence, which typically includes medical records and financial documents that show what you were earning right before your accident. These figures can also be used to calculate future lost wages or loss of earning potential if you suffered serious injuries with long-term complications. For your reference, here is a list of documents that can be used to prove a case for lost wages:
- Test results, diagnoses, medications, and other information included in a medical record.
- Pay stubs of another form of proof to indicate the claimant’s wages
- Previous year W-2 or another tax form
- Previous year federal and state income tax returns
- Testimony from a medical expert (usually for serious injury cases)
I’m Self-Employed – Can I get Paid for Missed Time off at Work?
Many people hear the term “lost wages” and assume that it only applies to salaried workers. But self-employed individuals, gig workers, and independent contractors can also demand compensation for the income they’ve lost due to an accident. Proving lost wages can be challenging depending on your line of work, but there are many documents that can be used to support your claim. These include tax forms (1099s, for example), bank account and payment app statements, tax returns, and contracts or invoices to show your earnings.
Considering there may be other forms of proof that can be used, please speak with one of our attorneys if you are self-employed and seeking lost wages from an accident claim with Famers. We will help you gather the necessary evidence and ensure that you are compensated for the income you’ve lost.
What can I do if Farmers won’t Reimburse me for Lost Wages?
Even if you’ve dotted every I and crossed every T, insurance adjusters are experts at finding ways to avoid making payments. If you are clearly entitled to lost wages but find yourself at an impasse in your insurance claim with Farmers, you are probably asking yourself, “Can I sue Farmers for refusing to pay for my lost wages?”
We can help you look into a bad faith lawsuit against the insurance company if they are using stall tactics or other methods to deny you compensation. To do this, we would have to prove an act of insurance bad faith by Farmers, which refers to a variety of deliberate acts by an insurer, such as:
- Failing to conduct an investigation in a reasonable amount of time.
- Refusing to pay for damages you are entitled to without a valid explanation.
- Misleading you on your rights and legal options in order to trick you into a low settlement.
- Making unreasonable demands for evidence / paperwork in order to hold up a claim.
However, there may be other actions you can take, which are just as effective without the complications of filing a lawsuit. Our lawyers are happy to meet with you and discuss your case in detail. Our goal is to recover your settlement as soon as possible and help you move forward from your accident.
Will Farmers Compensate me for Sick / Vacation Days I took after my Accident?
You can certainly ask for sick, vacation, and any other forms of paid time off that you were forced to use as a result of your accident. If Farmers has denied you compensation for these days, contact us right away. This is a common ploy by insurance companies, who will try to convince you that you lost nothing by taking these days, since these were paid by your employer. Thus, you are not eligible for reimbursement of this time as part of your accident claim.
But here’s the truth about personal days that you receive through your employer. This is a work benefit that’s meant to be used at your discretion, which means they are a form of income that’s associated with your job. If you were harmed due to another party’s negligence, you are forced to use up these days in order to avoid financial hardship during your recovery period. Thus, you have lost job-related income through no fault of your own, and you deserve compensation for this loss through an insurance claim with Farmers.
We know the walls that are put up by insurance companies in their effort to save as much money as possible. Our attorneys have methods to overcome these obstacles and bring you the payment you are owed. Call us today and let us help you if you are getting the runaround from Farmers Insurance.
Help from a Lawyer Experienced in Personal Injury Claims
It may seem like your troubles are over once you hire an attorney, but that’s only if you’re getting the level of service you deserve. Many claimants find themselves ignored after they sign on with a law firm and are worried about how long it will take to settle their case. On the other hand, some cases will take longer to resolve, and it’s possible that your lawyer is taking the right steps. Knowing where you stand in an injury claim against Farmers requires advice from a lawyer that’s experienced in your type of accident. We have attorneys that can provide you with a second opinion on your case. With their input, you can decide on the right course of action, which may include switching your lawyer to one of the experts at our law firm. However, there is no obligation to take any action by coming in to see us. To take advantage of this offer, call us right away to schedule a free second opinion.
Free Legal Representation for Accident Victims
Unfortunately, the process of getting paid on an accident claim is more complicated than most people anticipate. That’s where a lawyer can help, but the cost of legal fees may be holding you back from making that call. We offer a Zero fee guarantee, so you pay nothing upfront to retain our services. In fact, we don’t get paid at all until we recover your settlement. So you can rest easy knowing that the experienced lawyers of Normandie are fighting for your rights. If you’re ready to learn more about your legal options, contact our office for a free case evaluation.
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