State Farm is among the largest and well-known insurance companies in the United States. However, the company is notorious for denying claims and giving victims little payouts to maximize profits.
Even though State Farm presents itself as the ‘good neighbor,’ a report by CNN exposed the firm for using the 3-D tactic, ‘Deny, Delay and Defend.’ Therefore, when reporting an accident to State Farm and filing a claim, there are important things to keep in mind to increase your chances of getting a fair settlement.
Know Your Policy
Before filing a claim, it is important to clearly understand your policy. That is what is included, things that are covered and can be compensated. Having a good understanding of your policy will help avoid any surprises and let you know what you are entitled to.
For example, if the damages are more than the coverage limit, you may have to pay for the difference on your own. Taking time to review the policy will help you have realistic expectations and avoid any delays.
Document the Accident Scene Properly
After an accident, try to collect as much evidence through photos and videos. Take clear pictures of the accident scene and any other contributing factors, like the weather.
If there are any witnesses at the accident scene, get their contact information and any written statements when possible.
Also, keep detailed responses of any expenses that are related to the incident. These include medical bills, estimates of repairs, or temporary accommodation. All this will be critical when providing evidence to State Farm and improving your chances of getting compensation.
Avoid Giving a Recorded Statement
It is common for insurance adjusters to reach out immediately after an accident to get a statement of what happened. However, State Farm may use this statement to make it seem like you are the person making the claim when you are the other party in an accident.
The reason for this is to find evidence that you are partly responsible or could have done more to avoid the accident. Remember, State Farm always has the motivation to offer low payouts to increase their profits.
Get in Touch With State Farm As Soon As Possible
State Farm, like most insurance companies, requires you to report an accident within a specific period. Delaying could lead to complications and even for the company to completely deny the claims.
Therefore, for policyholders, as soon as the accident happens, get in touch with State Farm to initiate the claim. Provide basic information about the incident, such as the time, location, and a brief explanation of what happened.
Understand the Claims Process
Filing a claim with State Farm involves several steps. After you report the incident, State Farm will assign an adjuster for your case. They will investigate the accident and determine the extent and coverage of your claim.
During the investigation, be prepared to answer questions and provide documents. The process may also involve inspections like vehicle evaluation. Also, know the expected timelines for processing to help you manage your expectations.
Be Prepared for Possible Disputes
Disputes can come when State Farm tries to deny your claims or offer an unfair amount. If you don’t agree with the outcome, don’t hesitate to ask for clarification.
You can request an explanation or report of the denial or settlement decision and review it against the terms of your policy. During this stage, it is important to consult an attorney who will help you appeal or provide extra evidence that can favor your case.
Conclusion
Filing a claim with State Farm can be very frustrating, especially since the company has a history of denying claims and delaying compensations. Remember to do your due diligence when collecting and providing evidence. By staying organized and following the right steps, you can increase your chances of getting fair compensation.
