21st Century is part of the Farmers Insurance Group and is one of the leading insurers of motor vehicles, homes, and small businesses in the United States. They offer a wide array of insurance products and financial services, including, but not limited to the following types of insurance coverage:
- Automobile insurance
- Motorcycle insurance
- Homeowners insurance
- Flood insurance
- Renters insurance
- Personal umbrella insurance
- Boaters insurance
- Life insurance
The primary objective of all insurance companies is to turn a profit. They do so by collecting more money in monthly premiums than they payout in insured claims. Insurance companies are forced to pay fairly when it comes to vehicle damage. Auto insurers angle towards avoiding fair payment for accident related medical expenses. Like all large car insurance providers, 21st Century trains every claims adjuster they employ to utilize special tactics in order to minimize or undermine case values.
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Few assumptions are more basic than the idea that when another person’s carelessness caused you harm, you are entitled to compensation. While insurance is designed as a safety net to protect you from significant financial losses, oftentimes policyholders find it difficult to recover benefits. The insurance company is likely not to make the maximum payout on your claim without the right attorney on your side.
Luckily, when the at-fault driver is insured by 21st Century, you don’t have to face the big insurance company alone. The dedicated and compassionate lawyers at FlorinIRoebig have successfully handled many lawsuits with 21st Century Insurance in the past. With office locations in Florida, Colorado, Minnesota, and Texas, our law firm has helped clients all over the U.S. win insurance disputes since 1985.
Types Of Auto Insurance Coverage
After being hit by another driver, it is natural to wonder what types of damages are covered and how much your personal injury claim is worth. The amount 21st Century is willing to payout for your accident is largely dependent on the insured’s coverage, as well as their policy limits. The most common types of car insurance coverage are examined below:
Liability Coverage
Registered vehicle owners are required to purchase at least the minimum amount of liability coverage, as determined by state law. This type of coverage comes in two forms: bodily injury liability and property damage liability. Bodily injury liability pays for medical expenses, lost wages, and pain and suffering, as a result of the accident. Property damage liability pays for vehicle repairs or any other types of property damage that may have been caused by the crash.
Comprehensive Coverage
Comprehensive insurance is usually option in most states. This type of coverage is designed to protect your vehicle from anything other than a collision, including theft, vandalism, fallen objects, fire, and natural disasters.
Collision Coverage
Collision insurance is a type of coverage that helps pay to repair or replace your vehicle after it is damaged in a collision with another vehicle or object, such as fence or tree.
Uninsured And Underinsured Motorist Coverage
This type of insurance protection covers your medical bills and the cost to repair or replace your vehicle if you are hit by a driver who is uninsured or underinsured.
Medical Payments Coverage
Medical payments coverage is commonly referred to as MedPay and applies no matter who was the at-fault driver. MedPay is a usually an optional form of car insurance that can help pay for health care and funeral expenses after a collision.
Personal Injury Protection Coverage
Personal injury protection (PIP) is an extension of car insurance that covers medical costs and lost income. It is known as “no fault” coverage and is mandatory in some states and optional in others.
Understanding the various types of car insurance coverage is confusing for the average person, especially in the already stressful time following a wreck. At FlorinIRoebig, we know how complex auto insurance policies can be and we are here to guide you through the claims process, even if you only wish to seek out legal advice. Call us today for a free consultation and case evaluation to determine what type of coverage applies to your personal injury case.
Filing A Claim With 21st Century Insurance
Before filing a claim with 21st Century, Geico, State Farm, Zurich, or any other auto insurance companies, it is always advisable to consult with an experienced personal injury lawyer first. If your attorney advises you to report the claim directly to 21st Century Insurance, you can do so by calling the auto claims department at 1-888-244-6163. Alternatively, you can report the claim online by following this link.
Once the claim has been reported, it is forwarded to a local adjuster and you should be contacted within 48-72 hours to make a statement. At this point, 21st Century will open an investigation of your insurance claim to make a determination on liability. You will probably be required to provide information regarding the cause of the accident and the extent of your injuries. After the shock of a car wreck, it can be hard to know exactly what to say. Don’t make the mistake of waiting to call an auto accident attorney because your words can and will be used against you.
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Tips For Maximizing Compensation In Your Car Accident Case
The moment a collision happens, you won’t know if you will end up needing to file a lawsuit against the at-fault party’s insurer, 21st Century. It is important to know that your words and actions after the car accident can essentially make or break your personal injury case. Even a small mistake could affect your ability to get full and fair compensation. These simple tips will increase your chances of a successful outcome:
Take Photos At The Scene
Use your cell phone to take pictures of the accident scene, damage to each vehicle involved, and any visible injuries you may have sustained. The best photographic evidence should be able to paint an accurate picture of exactly how the collision occurred.
Report The Accident To The Police
When you are injured in a collision, most state laws require you to contact the police. The officer who arrives at the scene will conduct an investigation and then generate a police report. This document will make it easier for your attorney to prove that the other driver was liable for the accident.
Obtain Witness Information
Witnesses can be difficult to track down after a wreck. For this reason, it is crucial to obtain as much contact information for each witness as possible. Many cases are built on the testimony of eyewitnesses, as they can provide an unbiased account of what happened. The most credible witnesses are those who are not involved in the crash or connected with either motorist.
Seek Immediate Medical Treatment
Even if your pain is non-existent or seemingly minor, it is important to seek medical treatment as soon as possible. The longer you wait to get evaluated by a medical professional, the harder it is for your attorney to prove that your injuries were caused by the accident.
Follow Your Doctor’s Advice
In addition to seeking out immediate medical attention, it is important to return for follow up visits. To build a strong car accident case, your lawyer will need to show that you are compliant with medical treatment. Insurance companies rarely compensate car accident victims who fail to follow their doctor’s instructions.
Document Your Expenses
Keep track of your medical bills and any other out of pocket expenses related to the accident. Invest in a folder and organize all of your bills and receipts in date order. Good documentation will go a long way when your attorney seeks reimbursement from the insurance company.
Stay Off Social Media
After a crash related injury, many victims feel inclined to share their experience with friends and family on social media. However, it is important to be aware that posting photos or comments can jeopardize your chances of getting a fair settlement.
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Find Help Filing A Car Accident Claim With 21st Century Insurance
Like many other insurance companies, 21st Century has earned a reputation for not paying accident victims fairly. The adjuster may use bad faith insurance tactics to pressure you into accepting less than you deserve. If you truly want to protect your rights, your first call should be to a qualified, top-rated personal injury lawyer who can help you begin the process of filing an accident claim and guide you through every step of the way until a just settlement is reached.
Despite the challenging times amid the COVID-19 pandemic, our law firm is open and serving the needs of existing and new clients. We have the resources to fight against the largest insurance companies and the determination to hold them accountable. Call us today for a free consultation at 800-226-6581.
