If you have the misfortune of experiencing a collision at one of Baltimore’s most dangerous intersections there is a high likelihood of facing State Farm as the opposing insurance company. The problem is, State Farm bodily injury settlements are notoriously hard to come by. This problem magnifies if you attempt to go against them on your own.
There are ways to get past State Farm’s initial reluctance to pay fair compensation for your injuries, but the best way to assure that is hiring an attorney. Duboff & Associates, Chtd. handles many accident cases and quite a few of them involve State Farm. Here is what to know about this large insurance company and working with them towards settlement.
A Formidable Opponent
State Farm is a large insurance company with plenty of resources for hiring strong legal representation. It currently ranks at 33 on the Fortune 500 list and employs 68,234 workers. Since it has a high market share, it is very likely that you will come across one of their policyholders.
However, the company is going through challenging times right now which will lead to closing 11 claim processing facilities and displacing employees. This restructuring causes severe disruption in the ranks and makes consistent communication difficult. Not only are you likely to be assigned a claims adjuster who is worried about their future (and likely cranky about this) but this could be a frustrating drawn-out experience full of inefficiencies.
State Farm also has a reputation for low-ball offers unless a case is especially grievous, like a DUI or clear reckless behavior. If you search around on the web, many attorneys discuss this experience at length and our firm is not spared. Any chance that you could share contributory negligence and it is likely your claim will be in for the long-haul.
Claims with medical bills less than $10,000 are the most vulnerable to resistance. Your whiplash injury may be life-limited and painful, but State Farm will not see that way unless we force it.
Possibility of Compensation
State Farm is difficult but not impossible to handle. If you have wage loss, domestic help expenses or other objective expenses, they tend to acknowledge and consider those circumstances. However, high medical bills, while they are also objective, are not a guarantee of a fair offer.
You will likely have to sue to receive your fair share, especially if you only suffered soft tissue injuries like whiplash. This does not necessarily mean the case goes to court. It is just that State Farm takes claims more seriously once they face a lawsuit and their outside counsel often see the sense in settling the matter rather than taking it to trial. However, once a case must go this far, we take a larger share of the settlement for our attorney fees.
Even then, you still have to keep a careful eye on State Farm. It has a history of ignoring medical liens and failing to follow through in other ways. When you decide to fight State Farm on your own, the settlement is not the end of your ordeal. You need to monitor them to be sure you will not be stuck with any other bills.
With all the possibilities with State Farm, and many of them not being pleasant, it is apparent that you will need help with your claim.
Call an Attorney
When the opposing insurance company is State Farm, you are likely in for a difficult experience. You need to show that you take your claim seriously and one way to do that is to hire an attorney to handle your personal injury claim.
DuBoff & Associates, Chtd. offers substantial experience securing State Farm bodily injury settlements for people injured by their policyholders. While we work with them and their resistance to settle for a reasonable amount, you can focus on recovery. Since unhealed injuries can substantially limit the quality of your life, that should take priority over arguing with State Farm. Leave that to us!
Contact us today to schedule a consultation on your State Farm case.