How Does State Farm Insurance Handle Car Accident Injury Claims? | Colorado Springs Injury Lawyers
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State Farm Insurance is the largest auto accident insurance company in the country. If you find yourself in a car accident, it is likely you will have to file a claim with State Farm.
State Farm posted profits of $2.2 billion in 2017. The source of this financial success is the company’s ability to minimize insurance claims payouts, making it harder for victims to fully recover from accidents.
Accidents happen, and when they do, the last thing you want to worry about is making sure you receive a fair insurance claim. Negotiating with State Farm can be difficult when you’re emotionally vulnerable and inexperienced, but you do not have to go through the process alone.
Filing a Claim
When you are in an accident, your list of priorities should be calling the police, seeking medical attention, and then contacting State Farm. You can file a claim online using your account information, call 1-800-732-5246, or use State Farm’s mobile app.
State Farm will likely suggest you give a recorded statement of what happened. You are not required to give one, and it may be in your best interest not to until you have spoken with a lawyer.
Anything you say can be used against you to justify a low claim. If you are unsure about your answers, or are understandably worried about what you might say under pressure, call a lawyer first who can guide you through the process.
The Three D’s
If your claim is solely for property damage, the process is straightforward, with little room for negotiation. State Farm will review photos and reports from the accident scene, get a repair estimate for the damage, and come up with an offer. However, if you have a personal injury, it’s negotiating a fair offer will be much more difficult.
State Farm’s strategy is known as the three D’s: deny, delay, and defend. To make money, State Farm has to limit the amount of money it is paying out in claims. When they fight hard on car accident claims, they are able to increase their profit when you grow tired of the process and settle for less. Do not let this happen. You deserve to receive a fair settlement to cover your needs.
Understanding the Lingo
You may think your claim is more important if it is being handled by a “team.” Unfortunately, the truth is the exact opposite.
When State Farm assigns your claim to a team of adjusters, that typically means State Farm considers your accident to be minor. Team adjusters are only able to make low offers. While State Farm, like all insurance companies, wants to settle your claim for as little money as possible, regardless of what kind of accident you had, individual adjusters have greater authority to make larger claim offers on “major” accidents.
If you are not able to receive an offer that will adequately compensate you for your injuries, you should consider filing a lawsuit. When State Farm is faced with a legal battle, the company usually will increase their offer.
Get Help from Our Experienced Car Accident Lawyers
We understand that after a car accident you have many things on your mind. Ensuring you get fair compensation for your property damage and personal injuries shouldn’t be another source of worry.
The attorneys at Zinda Law Group have handled many claims with State Farm Insurance. We have the skills and resources to successfully negotiate a claim with State Farm so you don’t have to.
If you need someone to fight for you, contact us today at (800) 563-5312 for a free case consultation.
Meetings with attorneys are available by appointment only.