State Farm Insurance Claims Process
All 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, whether you were dealing with a drunk or distracted driver or you were injured 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 has to be.
If you were involved in an auto accident, find legal assistance that will ensure you receive the compensation you're owed. At Abels & Annes, PC, we deal with cases just like yours every day. Contact us today at (312) 924-7575 to schedule your free consultation or to learn more about how we may be able to help.Our Results
It can be difficult to get the compensation you deserve from an insurance company following an accident. Many of our clients come to us frustrated because they've been offered low settlements that don't cover the cost of their medical bills and other expenses. In many cases, we've been able to recover insurance settlements in the full amounts of the insurance policies involved. 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. These can include:
Drunk driving accidents
Hit and run accidents
Truck driving accidents
Distracted driving accidents
Slips and falls
Who Is at Fault?
In most states, your personal injury insurance claim is based on the fact that someone else was responsible for your accident. From distracted and drunk drivers to 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 and ensure that you're 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 attorney 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, is not the only amount you may need for your injuries. Accident insurance claims may also include:
Medical expenses associated with the accident, including reasonable anticipated medical expenses for the future
Lost wages from time you had to spend off work as a result of your accident
Pain and suffering for your injuries
Funeral and burial expenses for individuals who were killed as a result of the accident
Working with an attorney is the most effective way to determine exactly what damages you're owed 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.What Are Common 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, claimants must present significant evidence and aggressively pursue higher-damage claims. There are several strategies commonly used by insurance companies to reduce or avoid liability for a claim, including:
Offering a low initial settlement. Immediately after the accident, you'll be scrambling to pay the early bills that crop up. When you're offered a settlement, you might jump on it in an effort to deal with immediate expenses, from medical bills to the cost of replacing your car. Unfortunately, this amount may eventually prove inadequate as the bills you'll face as a result of your accident begin to pile up.
Trying to prove that you were at fault. 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 bear a higher burden of responsibility for the accident than you claim; thoroughly investigating the incident and collecting the proper evidence and documentation can help show which party (or parties) should hold liability for damages incurred.
Disputing the extent of your injuries. Did you state that you were "fine" at the scene of the accident, only to discover later that you were injured more seriously 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 thoroughly document your injuries following an accident, such as medical treatment obtained. Insurers aren’t in the business of paying out claims without proof: State Farm may try to minimize the cost of your claim unless you can provide 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 associated with an accident that leaves you injured, not to mention making sure that you receive the required compensation to cover the cost of your injuries. But, what if you already face a pile of bills from your accident? Can you afford a lawyer?
If you're struggling with the cost of a lawyer following an accident with a State Farm-insured driver, contact Abels & Annes at (312) 924-7575. We'll set up your free consultation as soon as possible, then determine whether we can accept your case on a contingent fee basis: this means we won't collect any attorney fees up front, and only receive payment out of a favorable judgment or a settlement you agree to.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 to set up your free consultation, and learn more about how we may be able to help you navigate the complex legal system to get the compensation you deserve.