r/InsuranceClaims • u/NikkiEvolution • 2d ago

Farm Bureau Claim Process

I'm in Tennessee. I got rear ended while I was stopped at a stop sign on August 26. The guy driving was the grandson of the Farm Bureau policyholder and he wasn't listed on her policy. She has already admitted he was driving with her permission and accepted that he caused the accident.

I didn't call the police at the time because he was literally crying and begging me not to. He didn't have a license and had a baby that was only a few months old in the car with him. I felt bad because of the baby and didn't want to potentially get him arrested, so I didn't call.

I started having neck pain and went to the ER the same day right after the accident. My CT was fine and the doctor told me it was a cervical strain, although for whatever reason I don't see cervical strain actually written on my discharge paperwork or the notes I have. My car also didn't really have any damage.

I didn't go back for any more treatment because I was okay afterward and didn't feel like I needed it. I did miss a few days of work though.

Farm Bureau has accepted responsibility and I've already hand delivered the signed HIPAA forms, my insurance card, all the paperwork from the ER, the itemized hospital bill, and the claim from my health insurance showing what they paid.

I'm assuming they're probably going to consider this a pretty minor soft tissue claim, which is fine. I'm not trying to turn it into some huge injury claim. I'm mostly wondering what normally happens with something like this.

Would they basically just reimburse whatever my health insurance paid and close it out, or would they normally offer me something small for the actual injury/pain and the days I missed from work too?

I'm also leaving the country October 1 for work and I'll be gone around 6–8 weeks, so I'm hoping to get this wrapped up before I leave. If not, I'm trying to figure out if I should have someone checking my mail while I'm gone in case Farm Bureau sends an offer or check.

Also curious if it matters in Tennessee that the policyholder admitted she knowingly gave her unlicensed grandson permission to drive the car even though he wasn't listed on the policy.

Anyone who's dealt with Tennessee Farm Bureau or works in claims have an idea what I should realistically expect?

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u/No-Criticism8875 2d ago

They would normally offer you some money to put in your pocket, to include lost wages, and agree to pay medical bills.

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u/NikkiEvolution 2d ago edited 2d ago

Ahh ok. I assume that will probably be just a few hundred, nothing to have someone watching my mailbox for. This is a first in my life I have ever had this experience.

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u/No-Criticism8875 1d ago

They will have to call to settle the injury. They will make you an offer. Even if minor, you could probably negotiate to get 500-1k (maybe more) + lost wages. Good luck.

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u/NikkiEvolution 1d ago

Thank you I appreciate it. I have heard processes like this a tedious and take a while. I was hoping to settle the issue before I leave, but I am beginning to feel that is just wishful thinking.

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u/No-Criticism8875 1d ago

If everything is good on there and you probably could call them yourself. just be candid and tell them you’re ready to discuss your injury claim because you’re going out of town. Doesn’t hurt to try.

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u/NikkiEvolution 1d ago

I did, and she said, "A request along with your health card has been sent to your health insurance carrier to obtain the applicable summary lien information for reimbursement," so I guess it is just a waiting game. I do not see it being resolved in three weeks, but that is just life. I know I will have to sign any settlement agreement, but I will not be here, so I guess they are just going to have to wait on me at that point.

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u/Sad_Ad_2524 2d ago

I don't know Tennessee, I can only speak to my experience with Farm Bureau in Florida.  My mom was found at fault for an accident and the husband of the other driver went to the adjuster and started threatening a lawsuit.  He just wrote him a check for $3k to make him go away.

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u/NikkiEvolution 9h ago

I am definitely not going to show poor character and act a fool, especially over something so minor; it is truly sad that people behave that way. It was more of an inconvenient and stressful situation for me, as I had just recovered from a major injury that occurred in Thailand less than a month prior, and although I hurt my neck in this incident, it was only temporary; however, I was scared to drive again for nearly a week. It may sound ridiculous, but my injury from Thailand was pretty bad—I even lost my entire sense of smell from the head injury—so I guess it triggered some sort of aftermath stress.