ES Blog Posts

Negotiating an Injury Claim with State Farm

When you are injured or have property damage after a car accident, you may need to file a claim for compensation through State Farm. But like other insurance companies, State Farm can only make a profit if it takes in more money through premium payments than it pays out through claims. Therefore, you can expect that State Farm–or more specifically, the claims adjuster assigned to your case–will attempt to get you to settle your claim for as little as possible. Your adjuster knows that the more of a financial bind you are in, the more likely it is that you will accept a low but immediate payment on your claim, as opposed to waiting for a higher settlement.

Although State Farm and other large insurers often use computer programs to determine what they consider to be a “fair” settlement of your claim, you can negotiate a better settlement with State Farm. Be prepared for a fight, however. Your adjuster may be unwilling to budge initially. You may be able to obtain a better settlement if you employ the following strategies.

Document as Much as Possible

If at all possible, take your own photographs of the car accident scene, the damage to your vehicle, and your injuries. Sometimes an adjuster will not visit you to see the damage until days after the accident. In that interim, your wounds may have begun to heal or the car may have been repaired a bit. By taking pictures as soon as possible after the accident, you have proof of the severity of the accident and can use these photographs to negotiate a higher, more appropriate settlement amount.

Determine a Minimum Settlement Amount

It is very hard to negotiate over anything if you do not know what you want and what you need. Before you begin speaking with your adjuster about a settlement, take a moment and consider how much your claim is really worth.

• How much did you pay in medical bills and repair bills?
• How much time did you miss from work?
• What other losses or expenses did you suffer?

Tally these up and offer them as a settlement. What is the least amount you will accept? While you can expect your initial offer to be turned down, you should not feel compelled to accept State Farm’s counteroffer if it is too low.

Keep Your Story Straight

State Farm may attempt to get you to change your story of how the accident happened as a way to justify giving you a lower settlement amount. Stick to your guns, though. It is helpful to write down a narrative of how the accident occurred as soon as you can after the accident, and then refer to it often if your adjuster asks you how the accident happened.

Get Help from San Antonio Injury Lawyers

After a car accident, it is reasonable that arguing and haggling with an adjuster over a settlement amount is not high on your list of priorities.

At Zinda Law Group, our San Antonio personal injury attorneys can help you seek a fair settlement from State Farm by negotiating with your adjuster on your behalf. Where a settlement cannot be reached or is not in your best interest, we can explore other options with you by which you can obtain compensation.

Call our No Win No Fee Lawyers today at (800) 863-5312 for a free consultation with one of our San Antonio personal injury lawyers.

Meetings with attorneys by appointment only.

Suggested Reading:

San Antonio Pedestrian Accident Lawyers

Consider These Important Factors

The settlement offer made by your Liberty Mutual claims adjuster may be too low to adequately compensate you for your losses. You may be able to secure a higher settlement amount if you do the following:

Document Everything

Taking pictures of the accident scene and your injuries as soon as you can after the incident can help you during the negotiation process. By the time your adjuster views your car or visits you, injuries may have begun to heal and the car may have been cleaned up a bit. By taking pictures and showing them to the adjuster, you may be able to convince the adjuster his or her initial settlement amounts were not adequate given the severity of the car crash.

Appear Resolved and Tenacious

Trials are expensive for all parties involved, including insurance companies. Liberty Mutual Insurance does not want a claim to go to trial, especially if the claim is valid and the injured party (you) are likely to win. By insisting on fair and full compensation and showing that you are not willing to settle your claim for less than you need, you make it more likely that your negotiations with your adjuster will end favorably for you.

Determine a Minimum Settlement Figure

You cannot negotiate in any matter if you do not know what you need and what you are willing to part with. Before you even begin the negotiation process, take some time and tally up the costs of your car accident--medical expenses, lost wages, damage to your car, pain and suffering--and use these to arrive at a settlement figure. Know what you are willing to compromise on but do not compromise on those expenses and losses that are legitimate and certain.

Our Dallas Injury Lawyers Can Help

At Zinda Law Group, our Dallas personal injury attorneys have successfully taken on Liberty Mutual and countless other insurance companies. We fight tirelessly to protect the legal rights of our clients, and we have the knowledge and resources necessary to help you seek the compensation you deserve.

If you have been injured, you don't have to take on the insurance companies alone. Call Zinda Law Group at (800) 863-5312 for a free consultation with one of our skilled Dallas personal injury lawyers. Meetings with attorneys by appointment only.