Chicago State Farm Insurance Car Accident Claim Lawyer
The car accident 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 personal injury lawyers are experienced in handling all types of auto insurance company 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 Car Accident Injury FAQs
Does State Farm Insurance Cover DUI Accidents?
State Farm provides insurance coverage for accident victims harmed by the insurer's policyholders in a DUI crash. However, State Farm might review their case and transfer them to a higher rate policy based on risky or drivers' behavior for the policyholder.
How Long Does an Accident Stay on Your Insurance State Farm?
If you were involved in an automobile accident that was deemed to be your fault, you would likely have the crash on your record for up to thirty-six months while paying additional premiums every year. The higher premiums might be $800 or more every year until your accident is purged from your record.
Most automobile insurance companies pass the higher rate premiums on to their riskier drivers, including State Farm, Allstate, USAA, and GEICO.
What Happens After an Accident With State Farm?
As soon as the accident is over, ensure that everyone involved in the crash is safe until emergency medical technicians and the police arrive. Ensure you and your loved ones are transported to the nearest emergency room or urgent care center to receive an accurate diagnosis of your medical condition, even if you believe there are no injuries.
Next, ensure that all the pertinent information is gathered at the accident scene, including photographic evidence, eyewitness accounts, driver's license numbers, and other contact info. Finally, ensure that you file a compensation claim to receive the money you deserve to pay for your damages.
What is Reasonable Pain and Suffering From a Car Accident?
Most insurance companies, including State Farm, pay approximately $15,000 or less on average for pain-and-suffering and other non-economic damages, including mental anxiety and emotional distress. Typically, these cases involve minor injuries.
Accidents with moderate to severe injuries can significantly increase the claim's value to $200,000 or more. Wrongful death lawsuits usually end in high-value settlements or jury trial awards.
What Happens if Hit-and-Run Driver Caused the Accident?
If the hit-and-run car or truck driver caused your accident, you are still likely to receive financial compensation through your car insurance on an uninsured motorist claim. Your insurance coverage will pay for mild to severe injuries.
Does State Farm Deny Claims?
Like all major insurance companies, State Farm can deny a claim based on various factors, including a lack of sufficient evidence that you have damages. Within moments of reporting a claim, State Farm will hire a claims adjuster to handle your case.
The adjuster will gather recorded statements from all parties involved, including eyewitness testimony, before making an offer. If the insurance adjuster deems insufficient evidence, the insurance company will likely not make an offer to resolve the case.
However, victims can hire a personal injury attorney specializing in 'bad faith' offers and force the insurance company to take a second look at the case.
State Farm Insurance Company: Background on an Auto Claim Giant
For decades, State Farm has remained the largest auto insurance company 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 viral 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 instead of ensuring that accident victims are made financially whole again as required by the policyholder's insurance agreement.
Below, our Chicago personal injury attorneys have answered a list of the most frequently asked questions about fighting State Farm and other insurance companies to obtain adequate financial compensation for a car accident through a settlement or at trial.
These questions include:
An Insurance Adjuster Told Me That I Could Trust Them in Handling My Auto 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 bodily 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 a meager offer compared to the value of your claim.
Typically, State Farm's first settlement offer to resolve an automobile accident claim might not cover all the property damage, medical care, and physical therapy expenses necessary for the injured person to heal. An experienced personal injury attorney working on your behalf can handle the claims process, work with the adjuster, and ensure that the State Farm insurance claim is resolved through a fair settlement or jury trial award.
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 severe injuries and the length of time it will take to heal completely, if possible.
Any quick offer by State Farm adjusters 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 how much your case is worth during the claims process, the State Farm Team likely does not know either or does not care.
How can State Farm Insurance Company Justify Offering Me a Ridiculously Low Settlement for My Chicago Auto Accident?
You must understand that it is not the insurance company's responsibility or the adjuster to explain why they offer 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 State Farm claim:
- Blaming the accident on you or other accident victims, 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 that condition,
- Stating that you were never injured in the accident but are merely pretending to be hurt in the hopes of obtaining more compensation even though you are facing high medical costs,
- Asserting your medical treatment and accompanying medical bills are not reasonable or customary,
- Saying that your case is not worth very much, even if they agree that their policyholder was at fault for the crash.
Typically, you can use the mobile app on your cell phone to contact the other driver's State Farm agent. Additional information on the other driver's insurance policy can be found by calling an insurance agent at 1-800-SF-Claim.
Will I Have to Wait a Long Time to Resolve My State Farm Auto Claim?
Have you hired a personal injury attorney to handle every aspect of your case? If so, you can likely expect to receive the initial offer approximately forty-five days after the law firm has sent State Farm a demand package.
The package outlines why you deserve the compensation as detailed by your car accident lawyer. There is a time limit restricting how long you can file a claim for compensation for a standard motor vehicle accident claim or underinsured motorist claim.
There are payout restrictions to the terms of your policy when filing an uninsured motorist claim based on the policy limit.
If I File a Lawsuit Against State Farm Insured, 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 insurer 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. The amount they offer is usually significantly higher than what they offered initially before the lawsuit started.
However, State Farm Insurance Company is not shy about taking the Chicago car accident cases to a jury trial even if they believe the 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 bodily 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. A low ball offer might make it impossible to pay for your ongoing medical expenses, recoup lost time away from work, and get paid for 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.
We will obtain all related police reports, medical records, medical bills so you can focus on your well being. If we are unable to secure financial compensation on your behalf, you never pay us anything for our legal services.
Hiring a Reputable State Farm Insurance Accident Claim Lawyer
The Chicago car 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 United States' largest insurance company for our clients who genuinely suffer physical harm from an at-fault driver.
Were you injured, or did you lose a loved one in a vehicle accident with a State Farm insured driver? If so, our legal team encourages you to make a phone call to our law office today at (888) 424-5757 or fill in the contact form to schedule a free consultation.
Schedule a free consultation to discuss your insurance claim 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.
All discussions with our personal injury attorneys remain confidential through an attorney-client relationship.
Read 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