How Does Mid Century Insurance Handle Car Accident Injury Claims? | Colorado Springs Injury Lawyers

Call (800) 863-5312 to Speak with Colorado Springs Car Accident Lawyers for Free

There is a lot of stress that comes with being involved in an automobile accident. Worrying about medical care, car repair, missed time from work, and finances is a lot for anybody to consider. Understanding the insurance claims process and what it consists of may help alleviate some of the stress associated with being involved in a car wreck.

If you or a loved one has been injured or involved in an automobile accident, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our skilled and experienced Colorado Springs car accident attorneys.

How to File an Auto Claim with Mid Century Insurance

Mid Century Insurance is a subsidiary of the larger and more popular Farmers Insurance Group. Because Mid Century does not have its own individual website, all inquiries should be made through the Farmers website. Before reporting your claim, you should have important information regarding the incident handy. Such information includes:

  • The names and contact information of the parties involved in the car accident;
  • The date, time, and location of the accident;
  • The make, model, year, and license plates of the vehicles; and
  • The injuries or vehicular damage sustained

Similar to filing a claim with other insurance providers, filing a claim through Mid Century requires the injured party to prove liability and damages.


In order to receive compensation from Mid Century for all or part of your claim, you must first prove liability of the accident.

The State of Colorado follows the modified comparative negligence legal theory. This means that you can prove liability by showing that you were less than 50% responsible for the accident. Liability cannot be proven, and thus damages cannot be collected, if it is determined that you were at least 50% responsible for the accident.


In addition to establishing liability, you must also show Mid Century that you sustained damages as a result of the automobile accident. The damages associated with being involved in a car crash can be special damages and general damages.

Special damages may include medical expenses, repair bills, lost wages, and other financial losses related to the accident.

General damages may include pain and suffering, physical impairment, and lowered quality of life, among others.

You can prove to Mid Century that you sustained these losses by providing them with a demand letter that outlines the damages you are seeking.

Settling and Negotiating Your Claim

After processing your claim, it is likely that a Mid Century claims adjuster will contact you to discuss the possibility of a settlement. Typically, the insurance company will use computers and data to calculate what it believes to be a fair settlement amount for your claim.

However, insurance companies, Mid Century included, make money and stay in business by receiving more money in premiums than they pay out in claims. Therefore, it is important to understand that settlement offers are made in the company’s best interests, not yours.

If you are not satisfied with the claims adjuster’s offer, you may decide to begin the negotiation process. This back-and-forth communication between you and the claims adjuster will require you to support your demands by providing the insurance company with evidence and documentation regarding your accident and subsequent expenses.

Although difficult to achieve, an ideal negotiation process will result in a settlement amount that is satisfactory to both you and the insurance company.

Filing a Lawsuit

Before deciding whether to file a lawsuit against Mid Century Insurance, it is important to consider what your claim is actually worth as well as the likelihood that your case would win at trial.

Estimating your claim’s value, which requires you to calculate all of your expenses, bills, and lost income, will allow you to determine whether a proposed settlement offer is acceptable or not. Having a concrete number in mind will make it easier to decide whether to accept or reject a settlement offer.

Finally, you should take into consideration the legitimacy of your case. Consider the evidence and documentation on your side and whether it supports your financial demands.

If you are unsure of how to assess these factors, consider discussing your case with a personal injury attorney. An attorney with experience in dealing with car accident cases can provide valuable advice on how to proceed with your claim.

Our Colorado Springs Car Accident Lawyers Can Help

At Zinda Law Group, our Colorado Springs attorneys have the skill, experience, and desire to assist you following a car accident. We have the resources necessary to help you build the strongest claim possible. Further, we will work tirelessly to assist you in seeking compensation for medical bills, property damage, lost wages, pain and suffering, and more.

Our firm also believes that an injury victim should never have to worry about being able to afford excellent legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we win your case. That’s our No Fee Guarantee.

If you would like to speak with an experienced Colorado Springs car accident lawyer, or to learn more about the insurance claims process, call Zinda Law Group at (800) 863-5312 to receive your free case evaluation.

Meetings with attorneys are by appointment only.

Recommended Reading:

What Is a Letter of Protection for a Personal Injury Case?
How Do I Respond to a Reservation of Rights Letter from an Insurance Company?
How to Get a Car Accident Report in Colorado Springs