How Does State Farm Handle Personal Injury Claims? | Boulder Injury Lawyers

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State Farm insures more automobiles and homes than any other insurance company in the country. They currently have over 44 million automobile policies across all 50 states.

If you are injured in an accident, it is conceivable that you may have to deal with State Farm, whether it’s your own insurer or the person who has a policy with them.  Understanding how State Farm handles personal injury claims is one of the first steps in resolving the fallout from an accident.

If you or a loved one is dealing with the personal injury claim process with State Farm, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our Boulder personal injury attorneys.

Getting State Farm Involved

One of the first steps after an accident should be reporting the claim to State Farm. Insurance companies want to know about any claim as soon as possible so they can act quickly to start the claims process. State Farm has a number of ways that you can do this: online, through the mobile app, calling 800-732-5246, or you can contact your insurance agent.

If you are not a customer and the other driver has State Farm, you can press the “not a customer” button and it will ask if someone was hurt in the accident. If you say yes, the website will direct you to give State Farm a call. Once you report the accident State Farm will assign a representative to investigate your claim.

The Investigation

The State Farm representative, or claims adjuster, will investigate all angles of the accident in order to determine damages and which coverage applies. They will interview any witnesses, inspect the accident scene, and meet with all parties involved. The claims adjuster will ask for additional documentation they may need in order to complete their investigation.

Honesty is the best policy when it comes to dealing with the State Farm representative. If you are uncomfortable with any of the questions they are asking, you can always consult a personal injury attorney to discuss any ramifications your answers may have.

Who is Liable?

Before State Farm pays for any personal injury claim, they will likely want to ensure that liability has been conclusively determined. If it is unclear who was liable for the accident, the insurance company may stall the process until this has been determined.

Colorado adheres to a modified comparative negligence approach to liability in personal injury claims. The at-fault threshold is 50%, so if the person who is bringing the claim is found to be 50% or more at-fault, they will not be able to recover from the other driver.

The Offer

Once the claims adjuster has determined the amount of damages and liability, they will offer you a certain amount of money for your claim. If you think it is fair based on the circumstances, you can accept the money and your case will close. At this point, you will not be able to recover anything further from State Farm.

However, if you believe that your claim is worth more than what State Farm has offered, you can reject the offer. You will want to provide specific reasons and evidence of why you believe your claim is worth more.

A personal injury attorney can assist you in determining the value of your claim and whether you are getting a fair deal.

Get Help from Our Boulder Personal Injury Lawyers 

At Zinda Law Group, our Boulder accident attorneys have helped thousands of people navigate injury claims with State Farm and other insurance companies. We have the knowledge and resources necessary to help you seek maximum compensation for your damages.

Our firm also believes that an accident victim should never have to worry about the ability to afford excellent legal representation. That is why we offer 100% free consultations, and why you will pay nothing unless we achieve a favorable settlement, judgment, or verdict for your personal injury case. That’s our No Fee Guarantee.

If you or your loved one has been injured in an accident, call Zinda Law Group at (800) 863-5312 to receive your free consultation with our Boulder personal injury attorneys. 

Meetings with attorneys are available by appointment only.