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State Farm Denied My Auto Claim, Now What?

What to do When State Farm Denies Claims

Even though State Farm assures you that “Like a good neighbor, State Farm is there,” the actual scenario of dealing with State Farm Insurance might tell a different story. Much like other insurance companies, their main objective is to accumulate profit, which usually involves taking robust measures to reduce payouts or outrightly refuse your car accident claim. Managing insurance claims can turn into a complicated and frustrating process. Nonetheless, knowing your rights and learning how to effectively negotiate the claims process is crucial to guarantee that you secure the fair remuneration you deserve.

Experienced State Farm Insurance Claims Lawyers

At Fran Haasch Law Group Accident & Injury Lawyers, our highly skilled and experienced insurance claims attorneys are well-versed in taking on insurance giants like State Farm. We understand how crucial a fair settlement is to your recovery, and we are prepared to challenge insurance claim denials, tirelessly working to secure the compensation you are rightfully owed. We navigate the complex legal terrain, advocating on your behalf to ensure your rights are not compromised. 

Should you need assistance with a denied claim, don’t hesitate to reach out to our car accident attorneys for a free consultation.

woman calls state farm auto insurance following a car accident

How Do State Farm Auto Claims Work in Florida?

After a motor vehicle accident in Florida, you can file a claim with the State Farm Insurance Company, assuming you or the other driver involved in the accident has a policy with the company. Here’s how the process works:

Report the accident: The first step is to report the accident to State Farm. You can do this via their website, mobile app, or by calling a state farm agent in their claims department. Ensure to provide all relevant details about the accident, including date, time, location, involved parties, and a brief description of the incident.

Investigation: After you’ve filed the claim, a State Farm claims adjuster will be assigned to your case. Their role is to investigate the accident and determine who was at fault, the extent of the damages, and your eligibility for compensation based on your policy.

Estimate of damages: The adjuster will assess the damage to your vehicle and provide an estimate for repairs. Depending on your policy, you may be directed to a preferred repair shop, or you can choose your own. 

Payment: If the claim is approved, State Farm will provide payment for the damages minus any deductible you’re responsible for. If your claim is denied, you will receive a denial letter in the mail.

Do note that in Florida, due to its no-fault insurance law, you may have to turn to your own insurance coverage first, regardless of who was at fault for the accident. Navigating these complex processes can be challenging, especially when dealing with insurance giants like State Farm, making the role of experienced insurance claims attorneys even more crucial.

Why Does State Farm Deny Claims? 

There are various reasons why State Farm might deny your auto claim, including:

  • Lack of coverage: If the policyholder does not have adequate coverage for the damages claimed, State Farm will likely deny the claim.
  • Late reporting: If you wait too long to report an accident, your claim may be denied, as it can be challenging to investigate accurately and determine fault after an extended period. 
  • Policy exclusions: Every insurance policy has specific exclusions, and if your claim falls under one of these exemptions, State Farm may deny it.
  • Disputes about fault: If there is a dispute about who was at fault for the accident, State Farm may deny the claim until liability is clear.

If you believe that State Farm has wrongly denied your claim, it’s essential to seek legal counsel from an experienced insurance claims attorney to explore your options for appealing the decision. 

Why Is It Important to Speak with a Lawyer Before Starting a State Farm Claim?

Engaging a lawyer before starting your State Farm claim can provide significant advantages. An experienced attorney is familiar with the complex landscape of insurance claims and can help you navigate the process smoothly. They can assist you in adequately documenting the incident and gathering all the necessary evidence to strengthen your case. They can also ensure that you correctly estimate the value of your claim, taking into account not just immediate costs such as car repairs and medical bills but also future costs such as ongoing therapy, lost earning potential, and emotional distress.

Moreover, having a car accident lawyer handle your claim sends a clear message to your insurance company that you are serious about receiving fair compensation. They can negotiate on your behalf with state farm representatives, challenging any unjust decisions and pushing back against lowball settlement offers.

Finally, if necessary, a lawyer can escalate the matter to a lawsuit to protect your rights. Therefore, getting legal advice before starting a State Farm claim is crucial in protecting your interests and securing the best possible outcome.

Ultimately, your attorney can help protect your rights and interests, increasing your chances of a favorable outcome.

insurance adjuster at a florida car accident scene

Be Cautious of State Farm Insurance Company Tactics

Insurance companies like State Farm employ various tactics to minimize the amount they have to pay out. Understanding these strategies can be a significant advantage when negotiating a claim.

Quick Settlement Offers

State Farm may offer a quick settlement following your accident. However, beware that these initial offers are typically lowball amounts intended to close your claim quickly and cost-effectively for the company. Do not agree to any settlement without consulting your attorney.

Recorded Statements

Shortly after your accident, a representative from State Farm might ask you to provide a recorded statement. Remember, it’s not in your best interest to give such statements without your lawyer present, as they might use your words against you to devalue or deny your claim. 

Medical Release Forms

State Farm may request that you sign a medical release form to access your medical records directly. Be careful, as this could lead to them using your past medical history to downplay your current injuries and, hence, reduce your compensation. Always consult with an attorney before signing any forms.

Denying Liability

State Farm might deny liability, suggesting that their policyholder was not at fault for the accident. Such tactics are designed to discourage victims and decrease the chances of a claim being pursued. Having a lawyer on your side can help counter such tactics effectively.

By recognizing these tactics, you can be better prepared to navigate your insurance claim. However, the best way to protect your rights and ensure a fair claim process is to retain experienced legal counsel early in your case.

How To Maximize Your Florida Car Accident Claim

Collect Evidence at the Scene: Following the accident, gather as much evidence as possible. This includes photographs of the scene, any vehicle damages, visible injuries, and the surrounding area which could have contributed to the accident. If there were any witnesses, collect their contact information as well. 

Seek Immediate Medical Attention: Even if your injuries seem minor, it’s crucial to seek medical attention immediately. This not only ensures your health but also establishes a medical record linking your injuries to the accident.

Report the Accident: Report the accident to the police and contact State Farm promptly. In Florida, you’re legally required to report any car accidents resulting in injury, death, or property damage.

Keep a Detailed Record of Your Expenses: Document all costs related to the accident, including medical bills, repair costs, rental car costs, and any other out-of-pocket expenses. Also, keep a record of any lost wages due to missed work.

Avoid Providing Statements Without Legal Counsel: Do not give recorded statements to the other party’s insurance provider without consulting with an attorney. The insurance company may use your statements against you to minimize your claim.

Hire an Experienced Attorney: A knowledgeable car accident attorney can guide you through the claims process and help ensure you receive fair compensation. They can negotiate with the insurance companies on your behalf and take your case to court if necessary.

Do Not Rush the Process: While a quick settlement offer might seem appealing, it’s important not to rush the process. Your attorney can help you understand the full value of your claim, including future medical costs and damages, before accepting any settlement offers.

Stay off Social Media: It’s advisable to avoid discussing your accident or injuries on social media. Insurance companies often scour these platforms, looking for evidence to devalue or deny your claim.

Why You Can’t Trust the State Farm Claims Adjuster

State Farm Claims Adjusters are primarily tasked to protect the interests of their employer, State Farm Insurance Company. While they may seem friendly and helpful, remember that their main objective is to minimize the payout on your claim. They are trained in tactics that aim to devalue your claim and are skilled in negotiation, often seeking to settle for less than what your claim might truly be worth. Furthermore, they might interpret the policy language in favor of State Farm or dispute the severity of your injuries based on their own evaluation or assessment. Thus, it’s essential to approach conversations with the Claims Adjuster with caution and, ideally, under the guidance of your attorney.

state farm insurance claims car accident scene

Get the Compensation You Deserve After an Accident

The car accident lawyers at Fran Haasch Law Group Accident & Injury Lawyers have extensive experience helping Florida drivers maximize their accident claims. Our legal team can help you navigate the complexities of the claims process and ensure your rights are protected throughout. We understand that each accident is unique, which is why we take a tailored approach to every case we handle.

Our attorneys will work closely with you to identify all elements of damage and loss from your accident and fight to ensure you receive the maximum compensation possible. Our goal is to leave no stone unturned in pursuit of your rightful damages. 

If you’ve been involved in a car accident in Florida, don’t hesitate to contact Fran Haasch Law Group Accident & Injury Lawyers today for a free consultation.


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