How Our Lawyers Handle a State Farm Injury Claim

In the area of personal injury law, attorneys play an important role in helping victims navigate complex insurance claims. When dealing with major insurers like State Farm, understanding the process can be daunting for many. Fortunately, legal assistance is available, so you don’t have to handle your claim alone.

If you face a State Farm claim, consult an attorney right away. Our personal injury lawyers can provide the highest quality representation as they protect your interests and work toward the most favorable result.

Schedule a Free Consultation

State Farm and Personal Injury Claims

Text PERSONAL INJURY CLAIMS with paper clips,glasses,magnifying glass and calculator on blue wooden background

If you ever purchased insurance, you’ve likely heard of State Farm. State Farm is one of the largest insurance providers in the United States, selling auto, home, and small business insurance.

When an individual suffers an injury due to another’s negligence, such as in car accidents or slips and falls, they may file a claim against the responsible party’s insurance policy, often held by companies like State Farm. Filing a claim allows victims to pursue compensation for their injuries and losses, including medical expenses and lost income.

Because State Farm is such a large insurer, navigating insurance claims with this company can be particularly difficult. The insurance company is primarily interested in protecting its own interests, making it challenging for claimants to get the compensation they deserve.

Navigating the State Farm Injury Claim with a Lawyer

Handling an insurance claim on your own can be difficult, especially when the insurance company involved is State Farm. Our attorneys aim to help through the claims process, providing support and advocating for your rights from beginning to end. We have years of experience working with big insurance companies and will stand toe to toe with State Farm to obtain the compensation you deserve.

Every situation is different; therefore, no two claims are the same. Still, you can expect the following steps as you go through the claims process.

Initial Consultation

The first step our injury lawyers skilled at State Farm Claims take is to conduct an initial consultation with you, the claimant.

During this meeting, your attorneys will:

Gather information: The lawyer will ask about the details of the accident, the nature of the injuries, and any medical treatment received. Understanding these elements is important for evaluating the case.
Assess liability: You must determine fault. Attorneys analyze the facts and circumstances surrounding the incident to identify liable parties and ensure you seek compensation from the appropriate individuals.
Explain the claims process: Many victims are unaware of what to expect in a personal injury claim, making the situation more overwhelming. Our lawyers take their time to explain the process, including timelines, potential outcomes, and the role of the insurance company.

During your consultation, our attorneys will address your most pressing questions and concerns, helping you feel more confident as you proceed with your State Farm injury claim.

Investigation and Gathering Evidence

After the initial consultation, you’ll have the opportunity to formally hire your attorney. Once you retain legal counsel, your lawyer will investigate the claim comprehensively.

This often includes:

Collecting evidence: Evidence is critical in personal injury cases. Attorneys gather police reports, witness statements, photographs, and other relevant documentation supporting your claim. Hiring an attorney early on means evidence is still fresh and witness memories haven’t faded.
Consulting experts: Depending on the case’s complexity, lawyers may consult experts such as medical professionals, accident reconstruction Fsts, or financial analysts to substantiate claims for damages.
Documenting injuries: Accurate documentation of injuries and medical treatment is essential. Attorneys will collect and organize all medical records, bills, and rehabilitation reports.

At this phase, your personal injury attorney is working to fully understand your situation, which in turn helps them build your claim and provide better representation. This part of the process is essential to the success of your claim.

Dealing With State Farm Adjusters

Once a claim is filed, it is assigned to an adjuster at State Farm. Attorneys interact with insurance adjusters to ensure client’s rights are protected. This involves communicating effectively and knowing how to protect clients from the insurance company.

Our lawyers know how to communicate with insurance adjusters and what information to provide. Having an attorney means having an advocate who can present your case in a way that maximizes the chances of a favorable outcome.

Additionally, dealing with State Farm means understanding insurance tactics. Insurance companies often employ various tactics to minimize payouts, including:

Disputing liability: Adjusters often try to shift liability in an effort to pay out as little as possible or, better yet, nothing at all.
Downplaying the severity of injuries: The insurance company will try to utilize any evidence they can to try to make your injuries seem less severe than they are. They often do this by requesting excessive medical documentation and blaming your injuries on pre-existing conditions.
Delaying: Delays in processing claims can understandably lead to frustration, often encouraging claimants to accept lower settlements.
Asking for statements: Insurance adjusters often ask for recorded statements to get your side of the story. In reality, they’re trying to use your words against you to harm your claim.
Offering lowball settlements: Insurance companies regularly offer significantly lower settlements than what is fair, hoping you’ll want to settle as quickly as possible and accept any settlement out of convenience.

Our skilled personal injury attorneys know how to properly communicate with State Farm adjusters while protecting your rights and interests.

Calculating Damages

A big part of handling a personal injury claim is accurately calculating damages. Damages in injury cases can be classified into two primary categories: economic and non-economic damages.

Depending on the situation, you may have the opportunity to pursue compensation for:

Medical expenses: This includes past and future medical bills, rehabilitation costs, and any necessary ongoing treatment.
Lost earnings: If your injuries have impacted your ability to work, whether short—or long-term, attorneys can calculate lost income and potential future earnings.
Pain and suffering: Non-economic damages, such as pain, suffering, emotional distress, and loss of enjoyment of life, must also be assessed in many cases. Lawyers use various methods to quantify these damages.
Property damage: If a vehicle or other property was damaged in the incident, attorneys can also seek compensation for these losses.

To secure adequate compensation, you must know the value of your claim. Our lawyers can thoroughly review the details of your case, including the severity of your injuries, the total cost of your treatment, and how your injuries have impacted your life, to ensure you pursue financial recovery that properly compensates you.

Negotiating

Negotiating is a big part of handling State Farm injury claims. In many cases, negotiations are necessary to obtain a better settlement.

Negotiations involve lawyers communicating with State Farm representatives until a beneficial settlement is reached. This can take some time, and the outcome often depends on the insurance company’s willingness to cooperate and settle fairly.

Negotiating for a suitable settlement takes much experience and skill. Our lawyers can evaluate the insurance company’s offers and determine how best to proceed.

You can rely on professional opinions and advice as our lawyers work with you and the insurance company to reach the best possible result. Having a personal injury attorney negotiate on your behalf often yields much more favorable outcomes.

Filing a Lawsuit

Lawsuit form or document in business office

While resolving and settling your claim may be possible, it doesn’t always work out. Our attorneys may recommend filing a lawsuit if negotiations with State Farm do not produce satisfactory results. This process typically involves:

Sending a Demand Letter

Many lawyers start by sending a demand letter before filing a lawsuit. The purpose of a demand letter is to “demand” State Farm settle the claim, and if they don’t, expect legal repercussions.

In a demand letter, your lawyer includes details about your accident, resulting injuries, financial impacts, and the insured’s liability. The attorney then presents a number representing your claim’s value and requests a settlement.

On receipt of the letter, State Farm may re-engage in negotiations or settle for the amount requested. Alternatively, they may continue to refuse just settlement, at which point your lawyer can proceed with the lawsuit.

Initiating the Lawsuit

Initiating a lawsuit involves drafting and filing a complaint. The complaint outlines the case, including facts, the legal basis for the claim, and the damages sought. After you file the complaint, the opposing party receives copies of court documents and has a short time to file their response to your claim with the court.

Engaging in Discovery

Once the lawsuit is underway, it transitions into the discovery phase. During this period, both parties can exchange information and evidence, allowing them to build their cases. Discovery may include depositions, interrogatories, and requests for production.

Revisiting Negotiations

After discovery, parties commonly feel more prepared to negotiate. At this point, the insurance company may entertain resolving and settling the case. If your case settles, you can forgo a trial and won’t have to go to court.

Going to Trial

While most personal injury cases resolve during settlement negotiations, a small percentage do not. If the opposing party refuses to settle for an agreeable amount, our lawyers may recommend you continue with litigation and try the case in court.

Trial adds more time to your case and requires plenty of preparation. During this time, lawyers develop a trial strategy, including determining which witnesses to call, what evidence to present, and how to argue the case effectively. Our highly experienced trial attorneys know how to present a case favorably to a jury.

Your lawyer will represent you through every trial stage, from preparation until the verdict is handed down. While going to trial often adds more stress and worry, our attorneys do everything possible to support you, give you peace of mind, and make the process as easy as possible.

The Importance of Legal Representation During a State Farm Claim

Navigating the intricacies of a personal injury claim requires a deep understanding of both the law and the insurance claims process. Attorneys experienced in personal injury cases possess the necessary knowledge and skills to handle these claims effectively.

You need legal representation during an insurance claim for several reasons:

Maximizing compensation: A lawyer can accurately assess the value of your claim, including all of your expenses and losses, and work to recover the fairest compensation.
Negotiation skills: Insurance companies often employ skilled negotiators. A lawyer can advocate on your behalf and negotiate better than an individual can.
Avoiding pitfalls: Attorneys can help avoid common mistakes, such as accepting low initial offers or giving away too much information, which can jeopardize your claim.
Access to resources: Legal professionals can hire expert witnesses, professionals, and other resources to strengthen your case.
Litigation preparedness: When negotiations don’t go as planned, a lawyer can prepare your case for court, handling all necessary filings and procedures.
Timely filing: Time limits exist for filing insurance claims and lawsuits. An attorney ensures your claim is handled promptly and no deadlines are missed.

Additionally, a lawyer can provide emotional relief. Attorneys understand that going through an injury claim can be frustrating and worrisome. A lawyer can alleviate some of the burden, allowing you the time and energy to focus on what matters, including your physical recovery and mental healing.

Don’t File Your Injury Claim Alone – Our Lawyers Can Help

The journey through a State Farm injury claim can be complex and taxing for victims. Having a seasoned attorney on your side can substantially influence the outcome of your claim and help you get the resolution you deserve.

From the initial consultation to potential trial proceedings, our lawyers provide invaluable support, ensuring you receive a proper financial recovery.

You don’t have to do it alone if someone hurt you and left you with a State Farm injury claim. Let our lawyers take on your case and advocate for your best interests.