Injured? Accident or Wreck? Learn More:
- Got questions? Call us at 956-300-0000 or contact us.
- This page is NOT an official Texas Farm Bureau Insurance Page.
- We are a PERSONAL INJURY LAW FIRM helping accident victims to recover what they deserve.
- This page is NOT legal advice. We strongly recommend you consult an accident lawyer who may be able to help with Texas Farm Bureau Insurance Claims after an injury!
The Lone Star States’ Texas Farm Bureau is Home Grown
The Texas Farm Bureau offers (https://www.txfb-ins.com/) auto insurance and life insurance tools to help people financially recover from injuries and damages. It is a Texas-specific insurance company with three hundred state-wide offices and more than three hundred claims personnel. The insurance company has received a credit rating of A—(excellent) from A.M. Best (https://news.ambest.com/PR/PressContent.aspx?refnum=33785&altsrc=9).
Working with a Texas insurance company could benefit residents. But what happens after a car accident on Texas roadways? Texans might wonder if there are advantages to working with a Texas-focused insurance company.
Do You Need an Attorney if Your Insurance Company is the Texas Farm Bureau?
Deadlines are important in the State of Texas. Insurers have thirty-five days from the receipt of the claim to review and settle the claim. This may sound like a quick and easy process, but if the insurance adjuster pushes back on a claim or doesn’t respond to a call promptly, that could put the claimant in a difficult position. They may feel pressured to accept a low settlement to complete the process and get a settlement check. Small settlements can cause financial hardship in the future. The adjuster may refuse to consider other long-term expenses to help fully recover from the accident.
It doesn’t matter if an insurance company serves a specific population. The Bureaucratic process of paper shuffling and slow-to-respond staff can happen in any insurance business. It is best to contact a car accident attorney before negotiating with an insurance adjuster. Javier Villarreal (https://jvlawfirm.net/practice-areas/auto-accidents/) will ensure the adjustor responds fast and works on a fair settlement agreement within the required time frame.
Warning Signs You Need Help from an Attorney when Working on a TXFB Auto Crash Claim
Although we suggest people contact an attorney first, some believe they can handle the insurance claim directly with the company. If you’ve made that call already, pay attention to the red flags indicating you will not be treated fairly. Here are a few common behaviors from insurance adjusters:
They Don’t Return Your Calls. If you keep calling and do not receive a quick response, that’s a problem. The clock is ticking, and you must settle a claim, pay the bills, and return to your life.
The insurance adjuster implies you should accept fault. If a claims adjuster pushes you to take the blame for the car accident, that can indicate they don’t want to pay your claim. Never accept responsibility for the car accident. And do not agree to a recorded discussion on the phone! Evidence and more details could prove you are not at fault.
An adjuster is not effective. Sometimes, the insurance adjustor needs to be more proficient. They need help finding the paperwork you sent. They may have misread your insurance policy and are denying collision coverage. Or it’s a bad day, and they have an attitude toward you on the phone. Do not tolerate any of these behaviors.
They refuse to accept the car repair estimates. Many insurance companies will have a list of pre-approved auto repair shops to take your wrecked car. But the shops could be too far away, or you already have a trusted auto repair shop. Getting the vehicle repairs approved, fixed, and paid for can become a real tussle.
These scenarios can happen with any insurance company. They result in added stress and financial burdens on the claimant. Discussing the situation with an expert car accident attorney in Brownsville, Texas, is easier.
Do You Know What Your TXFB Policy Covers?
When searching for affordable and comprehensive auto insurance, it helps to review those policies carefully. Refrain from assuming anything and ensure the fine print is clear on what plans cover. For instance, some plans offer simple, boilerplate coverage. In those circumstances, it may be helpful to review the listing of add-on insurance packages. The Texas Farm Bureau offers several add-ons to basic insurance coverage. They are divided into two types of coverage for you and your vehicle.
For personal injuries to you or a passenger, there is add-on coverage for liability, personal injury protection, uninsured/underinsured motorist, medical payments, and death indemnity.
Add-on vehicle coverage includes collision, comprehensive, rental, and roadside assistance.
Although it’s important to know your coverage, if you are in a car accident on Texas roads, you will have to consider more than one insurance company. Each insurer can be financially responsible for your damages. An accident attorney (https://jvlawfirm.net/practice-areas/accident-attorneys/) will review all the policies, negotiate with each adjuster, and determine the best path toward a quick and robust settlement.
More Information About the Texas Farm Bureau
NerdWallet gives the Texas Farm Bureau a 3.5 out of 5 rating for customer complaints. (https://www.nerdwallet.com/p/reviews/insurance/texas-farm-bureau-auto-insurance)
The TXFB announces the Pioneer Awards each year. This award recognizes agricultural leaders and their contribution to the community (https://texasfarmbureau.org/wp-content/uploads/2023/11/PioneerWinners2023.pdf)
The company provides scholarships for Texas youth to support youth development and leadership (https://texasffa.org/). People can also sign up for the “What’s Growing On” online newsletter.
TXFB provides insurance policy discounts for safe drivers and those under 25 who have completed an accredited driving training course. They also offer discounts for factory-installed vehicle safety features such as anti-lock brakes, blind spot detection, and backup cameras.
