State Farm Insurance Claims

Have You Been Injured by Someone With State Farm Insurance?

Neck InjuryAll too often, getting the compensation you deserve from an insurance company following an accident or injury is a hard-fought battle. You know that you're due compensation as a result of your auto accident. This whether dealing with a drunk or distracted driver or you sustain injury due to a truck driver who had spent too many hours on the road. Sometimes, however, it may seem like State Farm and other insurance companies are making the process more difficult than it needs to be. If you suffer an injury in an auto accident, find legal assistance that will ensure you receive the compensation you deserve. At Abels & Annes, PC, our Chicago insurance dispute attorneys deal with cases just like yours every day. Contact us today at (312) 924-7575 today for a free consultation or to learn more about how we may be able to help.

Many Years of Resolving Cases With State Farm

It can be difficult to get the compensation you deserve from an insurance company following an accident. Many of our clients come to us after a frustrating experience. Sometimes they receive low settlement offers that don't cover the cost of their medical bills and other expenses. In many cases, we've been able to reach settlements for a much greater amount. Depending on the circumstances, many times we obtain policy limits settlements with State Farm, and other insurance carriers as well. Our attorneys know how to determine what an accident is worth, and what needs to be done to help ensure the insurance company pays the full amount of a claim.

What Are Typical State Farm Insurance Accident Claims?

State Farm is an insurance company that is responsible for paying out after accidents that involve its insured. For example, these can include:

Who Is at Fault in an Accident?

In most states, your personal injury insurance claim is based on the fact that someone else was responsible for your accident. Sometimes it's a speeding or drunk driver, or someone who simply made an error in judgment that led to your injury. There are a wide range of individuals who can be at fault for your accident. By working with an attorney, you can more effectively establish fault. You can better ensure that you'll be able to collect the damages you're due for your accident. In many cases, there may be individuals beyond the driver or property owner who bear partial responsibility for your injuries. Working with an experienced personal injury attorney in Chicago will allow you to identify those individuals, whether it was a bar that over-served a patron or a truck driving company with unrealistic expectations for their drivers, and pursue the compensation you're due as a result of your injuries.

What Damages Can Be Recovered?

Often, following an accident, the insurance company with liability will make an offer for the damage to your property, such as your vehicle. This amount, however, should be separate from your personal injury claim. Accident and injury insurance claims may also include:
  • Medical expenses associated with the accident, including reasonable future medical expenses
  • Lost wages from time you had to spend off work as a result of your accident
  • Pain and suffering for your injuries
  • Loss of normal life
  • Funeral and burial expenses in wrongful death cases
Working with an attorney is the most effective way to determine exactly what damages you may be able to collect as a result of your accident. State Farm might not offer a settlement in the full amount you are seeking initially, but our team works hard to make sure the final settlement is as fair as possible. And if that's not possible, we can file a lawsuit and let a judge or jury decide the issue.

What Are Common Insurance Claim Issues?

State Farm, like many insurance companies, may not offer you the full amount of a policy or the full expense of your injuries if you don't have appropriate legal representation. Often, injury lawyers must present significant evidence and aggressively pursue higher-damage claims. However, before you have a chance to start working with a lawyer, there are several strategies insurance companies commonly use to reduce or avoid liability for a claim, including:

Lowball settlement offer

Immediately after the accident, you might be scrambling to pay the early bills that crop up. When you receive a settlement offer, you might jump on it in an effort to deal with immediate medical expenses. Unfortunately, this amount may eventually prove inadequate. Sometimes the bills you'll face as a result of your accident will keep piling up after you settle.

The blame game

Depending on the amount of responsibility you bear for an accident or injury, the amount of your compensation may decrease. State Farm, like many insurance companies, may attempt to prove that you were mostly or at least partially at fault. They will try do do this even if you did nothing wrong. Having a personal injury lawyer thoroughly investigate the incident and collect the proper evidence can help show which party (or parties) is liable for damages.

Disputing the extent of your injuries

Did you state that you were "fine" at the scene of the accident. However, later on you discover that your injuries are more serious than you originally thought? Have you been struggling to get back on your feet after the accident, leaving you with higher bills than you anticipated? It’s important to let an attorney thoroughly document your injuries following an accident. For example, medical treatment and bills, and the need for future care. Insurers aren’t in the business of paying out claims without proof. State Farm may try to minimize the value of your claim until a lawyer provides the proper evidence.

What Will a Lawyer Cost Me?

Having a good lawyer is one of the most effective ways to navigate the legal process when an accident that leaves you with injuries. Not to mention, making sure that you receive fair compensation for your damages. But, what if you already face a pile of bills from your accident? Can you afford a lawyer? Our personal injury lawyers work on a contingency fee basis.  That means no money up front, no attorney's fee unless you win your case. Further, we advance all costs to prosecute the case. So, if you're struggling with the idea of the cost of a lawyer following an accident with a State Farm driver driver, contact Abels & Annes at (312) 924-7575. We'll give you a free consultation and determine whether we can accept your case.

Get the Legal Support You Deserve

If you were injured in an accident involving someone insured under a policy from State Farm, don't go it alone! Contact Abels & Annes online today, or call at (312) 924-7575 for a free consultation. Take a few minutes to learn more about how we may be able to help you navigate the complex legal system to get the compensation you deserve.

Additional Insurance Resources

For more information about how to deal with another specific insurance company review some of our other legal resources: