These admissions may later be used against you! Reporting the claim through an attorney’s office will ensure that all legal rights are preserved and the facts and injuries are reported in an objective manner that preserves your legal rights.Īs far as settlement offers prior to filing a lawsuit, I would put State Farm in the category of “low to middle of the road”. The adjusters tend to be somewhat aggressive in requesting “recorded statements”, which, as I have pointed out in other posts, is really an attempt to get you to make admissions “on the record” regarding how the accident happened or the nature and extent of bodily harm suffered. If you are hit by a vehicle with a driver or registered owner who has State Farm and you are injured, you would be best served to retain an attorney prior to contacting their claims office.
However, even if State Farm is your carrier, going beyond the initial claim reporting process and inspection of your vehicle without an attorney isn’t advisable especially if you have to submit claims for medical payments coverage, collision damage, or uninsured / underinsured motorist claims for bodily injury. Failure to report a claim promptly can be used as a reason to deny a claim. If State Farm is your own insurance carrier, I would suggest going ahead and reporting any auto accident involving you, a family member or a vehicle for which you are the registered owner. In fact this can be done through their website. Opening up a claim with State Farm is fairly straightforward. I thought I would explore what it is like to deal with State Farm in my experience as a Los Angeles personal injury attorney with almost 20 years experience filing and litigating claims with this company. In the Golden State, they also write more auto policies than any other insurance carrier. State Farm auto insurance claims in California are common simply due the fact that the “like a good neighbor” company is writes over 30 Million car insurance policies a year and has an 18 percent share of the auto insurance market in the U.S.
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