The auto crash injury attorneys at Rosenfeld Injury Lawyers LLC represents both State Farm insured drivers and individuals injured in Chicago car accidents involving severe injuries or fatalities. Our attorneys welcome the opportunity to discuss your case before you talk to a claims adjuster. Our lawyers are experienced in handling all types of State Farm injury claims involving accidents including auto, motorcycle, homeowners, and business. As with all our personal injury cases, we work on a contingency fee basis where there is only a legal fee charged when we recover financial compensation for you. Complete our online case intake form here and our attorneys will contact you within hours to answer any questions or concerns you have related to car accident injury claims with State Farm Insurance.
State Farm Insurance Company
For decades, State Farm has remained number one in the American property and casualty insurance industry. The company generates over $60 billion a year in revenues, well ahead of the second-largest insurer Geico and third-largest insurance company Allstate. For years, the company has maintained its market share through its very popular promotional campaign stating that “Like a good neighbor, State Farm is there.” However, like most insurers, State Farm is more interested in generating profits for their shareholders over ensuring that victims are made financially whole again as required by the policyholder’s insurance agreement. Below, our attorneys have answered a list of the most frequently asked questions about fighting State Farm and other insurance companies to obtain adequate financial compensation through a settlement or at trial. These questions include:
I was Told by State Farm Claims Adjuster That I can Trust Them in Handling my Case. Is That True?
No, you should never trust an insurance company to look out for your best interest. Like all insurers, State Farm might be ethical, but they do not have your best interest in ensuring you receive fair value for your vehicle accident injury claim. While their actions might not be dishonest, they have years of experience in handling hundreds of thousands of filed complaints, many of which are resolved by an extremely low offer compared to the value of the case.
How can I be Confident That the Claims Adjuster Made an Unreasonable Offer Because They Sound so Nice on the Phone?
Every claims adjuster working for State Farm is given only a limited or restricted authority on how they can resolve your case through a settlement. Within the first few days or weeks after your accident, you are likely unaware of exactly how much damage you have endured or the severity of your injuries and the length of time it will take to heal completely, if possible. Any quick offer by State Farm is usually an indicator that they want to close the case as fast as possible, regardless of whether they have accounted for all your damages. If you do not know what your case is worth, they likely do not know either or do not care.
How can the Insurance Company Justify Offering me a Ridiculously Low Settlement?
You must understand that it is not the responsibility of the insurance company or the adjuster to explain why they are offering the amount that they are or justify their actions. Many insurance companies, including State Farm, will go to great lengths to delay the payment to make it go away or deny your claim outright hoping you will not respond. Some strategies and tactics that have proven highly successful at minimizing payment or denying a claim involve the insurance company:
- Blaming the accident on you stating it was your negligence, not the policyholder, that caused the crash,
- Claiming that the injuries you endured are from an earlier medical condition where you never completely recovered from the problem,
- Stating that you were never injured in the accident but are merely pretending to be hurt in the hopes of obtaining more compensation,
- Saying that your case is not worth very much, even if they agree that their policyholder was at fault for the crash.
Will I Have to Wait a Long Time to Resolve my State Farm Claim?
If you have hired an attorney handling every aspect of your case, you can likely expect to receive the initial offer approximately 45 days after the law firm has sent State Farm a demand package outlining why you deserve the compensation as detailed by your lawyer.
If I File a Lawsuit Against State Farm, Will They Increase the Settlement Offer?
Most likely, if State Farm has not offered a settlement check equal to the worth of the case, the assurer will likely increase their offer once your attorney files a lawsuit. Oddly, State Farm tends to be willing to assume all the legal costs to undergo civil discovery by requesting interrogatory answers and taking depositions before they increase a follow-up settlement offer. That said, the insurer often makes a last-minute settlement offer before beginning the trial process that is usually significantly higher than what they offered initially before the lawsuit started. However, State Farm is not shy about taking the case to trial even if they believe the jury verdict will be significantly higher than what they were willing to offer before the trial began.
If the Jury Returns a Verdict Award That Exceeds the Defendant’s Policy Coverage, Will State Farm be “Like a Good Neighbor” and cut me a Check for What I am Due?
They might do that. However, like most insurance carriers, State Farm, is typically reluctant at paying out an amount that exceeds the policyholder’s limits.
Is it Best to Hire an Attorney to Handle my Case, and if so, What can I Expect They Will do to Help me?
It is always best to seek legal counsel when handling any severe injury vehicle accident case. The decisions you make in the first moments after the accident could decide how your case will be resolved. Your livelihood and financial future are at stake. Settling your case for a low value might cause you significant burdens in the future if you are unable to pay for your ongoing hospital expenses, lost time away from work, and non-tangible damages including pain, suffering, and mental anguish. If you suffer a temporary or permanent disability because of the accident, the medical problems you have now could last for years or the rest of your life. Our law firm accepts all personal injury cases through contingency fee agreements to avoid the need to be making any upfront payment. Also, if we are unable to secure financial compensation on your behalf, you never pay us anything for our legal services.
Hiring Our Reputable Law Firm to Handle Your State Farm Insurance Accident Claim
The vehicle accident attorneys at Rosenfeld Injury Lawyers LLC have handled thousands of severe injury car crashes on behalf of our clients. Our attorneys have years of experience and the necessary skills and resources to push back against the largest insurance company in the United States for our clients who genuinely suffer harm and property damage. If you are injured or lost a loved one in a vehicle accident that was not your fault, we encourage you to contact our law office today at (888) 424-5757 to schedule an appointment to discuss your legal options and how to protect your rights. Time is of the essence. All the necessary documents and paperwork must be filed in the proper county courthouse before the Illinois statute of limitations expires.
What the people we have helped have to say!
“Mr. Rosenfeld and his staff are wonderful. Their team fought aggressively against the insurance company to ensure my family received what we deserved. He handled my case and I no longer worry about my extensive medical costs or paying financial bills. Their law firm was amazing! We wish we had the words to thank Jonathan and his team for all they did to help my family after the accident that hurt my child.”
Kathy G. – Gurnee, Illinois
“Jonathan is an outstanding attorney who may need to comfortable about the complexities of dealing with insurance companies and claims adjusters. After my accident I was very confused about what to do to receive the medical care I needed and how I could repair my vehicle that had been damaged in the crash. At first, I had no idea what I was supposed to do. But, Mr. Rosenfeld handled the entire process from beginning to end. I never had to worry about filing court documents, gathering evidence, talking to the person that caused my injuries or facing the insurance company to get my money. His company stayed in contact with me all the way to the end to let me know things were being done right on my behalf. I am healthy again, my car is fixed, and I can move on with my life after the horrific collision.”
Anna H – Chicago Heights, Illinois