Farmers Insurance Company , Mid-Century Insurance Company Farmers Insurance They sent two settlement forms one iwth deceptive wording do that they could under pay a claim. Flagstaff, Arizona

   You couldn't afford a lawyer?  Where do you live that Personal Injury lawyers don't work on a contingency fee basis?   

    For the most part, I don't recommend that people go running to lawyers for every little thing, but in the case of an accident/injury, I always do.     You likely have no idea what is proper compensation for the permanent injury you suffered.  You also didn't know what you were signing when you agreed to the final settlement.   Bottom line, when you go up against an insurance company's lawyers in a personal injury case, you're bringing a pen knife to a gunfight.

Contact Farmers again and get PROOF that they paid the medical bills.  Quite simple, a check number, date, and amount paid.  In turn, contact the medical provider and tell them what is going on. 

As for the filing of small claim against the other driver.  You CAN take him/her to court and in the filing papers you have a copy of the settlement agreement, information from the medical providers showing they are still billing you, pain and suffering, out of pocket expenses, and your belief that the bills have NOT been paid.  Farmers can't "sue" you for breech of contract because in the "contract" you have been led to believe the bills were paid.  Farmers will be REQUIRED by the judge to PROVE the payments were made. 

Court proceedings are a way to expedite the answers to your questions.  you can't get a straight answer from them, but the judge can!