GET MORE MONEY: 3 Things You Need to Know about the State Farm Claim Process
And One Surefire Way to Get the Most Out of Your Personal Injury Claim
State Farm is the biggest auto insurer in the nation, making hundreds of millions in profit each year. The Warshafsky legal team includes former insurance industry attorneys, and we know insurance companies don’t make huge profits by offering to pay the full value of customers’ claims. Not without a fight.
State Farm isn’t evil, but they are a business first and a “good neighbor” second. If you’ve been injured in a car wreck or hit and run accident, your best chance of recovering the money you deserve is with an experienced personal injury attorney. Like the best kind of neighbor, Warshafsky Law protects your rights.
INJURED? It IS About The Money.®
The Insurance Claim Process: Dealing with a State Farm Claims Adjuster
Don’t admit fault or volunteer information.
The insurance company will collect information from the accident scene, witnesses, police reports and more. Whenever possible, the information they gather will be used to delay, dispute or deny your claim.
It is extremely unwise to sign medical authorization forms without consulting an attorney.
Even unrelated or long-past details from your personal medical history can be used to deny or dispute your claim. Remember: although the person you are speaking with may be very nice, the job of every insurance company employee is to make your claim go away for as little money as possible.
hen people choose their personal injury lawyer based on the endorsement of a football player or actor, they risk choosing an attorney who has never won more money in a courtroom. Settlement mills forward your paperwork and take a cut of your damages.
Hundreds of times we have prepared cases like yours beyond the brink of trial. Facing unlimited liability AND an expensive jury trial, insurance companies fess up what your case is worth. They HATE when you choose Warshafsky. Insurance companies know: it IS about the money.
Handling a State Farm Claim without an Attorney
If you choose to settle your claim on your own, there are important things to keep in mind:
A printed settlement check is only an offer.
Once you deposit the check, the case is closed and you can never pursue further compensation for your injuries.
Everything an insurance company representative says and does (including expressing concern for your well-being AND deliberately wasting your time) is calculated to achieve one goal: make money for their employer and make your claim go away.
There is a statute of limitations on personal injury claims.
Your best chance of getting the settlement amount you deserve is with a determined personal injury lawyer. When you negotiate with a big insurer like State Farm you’re up against legions of highly trained professionals—including teams of lawyers.
5 Do’s and Don’ts to Increase Your State Farm Personal Injury Settlement
Be prepared to explain the reason for your injury claim. If you can make specific points proving the value of your claim it demonstrates knowledge of the process and shows the claims adjuster you’re serious.
DO the math.
Save every medical bill, receipt for prescription or non-prescription medical expenses (braces, bandages), written repair estimates, mileage going to and from the doctor and any other related costs.
Costs to consider when calculating the value of your claim:
- Property damage
- Car rental
- Hospital deductible
- Prescription drugs
- Chiropractic care
- Pain and suffering
- Lost wages
- Future medical expenses
Subrogation means if you were injured in an accident resulting in damages, your health insurance company has the right to seek reimbursement for their payments.
INJURED? It IS About The Money.®
You WILL get a low-ball settlement offer, and settlement negotiations can drain your time and energy. Remember: while you’re stressing over the medical bills and other expenses piling up, the insurance company is earning interest every day they delay sending your check.
Making the process difficult and time-consuming is part of their strategy. Always be polite and respectful, and keep in mind the time limit for filing a lawsuit.
Don’t trust “sign and settle” lawyers.
A firm or attorney boasting about how many cases they’ve settled is probably a settlement mill. They’re quick to take their cut of an insurance payout and move on to the next case—regardless of whether the amount fairly compensates damages and pain and suffering.
A free case assessment can help you understand the actual value of your injury claim. Five years from now when your whiplash injury starts acting up again, you may regret signing away your right to further compensation.
Fighting for Fair Compensation for Your State Farm Claim
The aggressive attorneys of Warshafsky prepare EVERY case to win at trial—and insurers know it. Even an industry giant like State Farm fears facing a law firm with a history of winning HUGE settlements in jury trials.