How to Negotiate a Car Accident Claim with State Farm Insurance

Call (800) 863-5312 to Speak with a Tucson Car Accident Lawyer for Free

Unlike your actual neighbors, State Farm Insurance is a business.  Though State Farm portrays itself as being totally focused on helping their customers navigate tragic life events, the truth of the matter is that State Farm, like all insurers, values profits and the interests of shareholders above all else.

For State Farm to remain profitable, its insurance adjusters will work hard to pay as little as possible for your car accident claim. Not only is it legal for an insurance adjuster to dramatically undervalue your claim, it is in fact their job.

If you or a loved one has been injured in a car accident, call Zinda Law Group at (800) 863-5312 for a free consultation with a Tucson auto injury attorney.

Types of Damages

If your car accident results only in damage to the vehicle, the insurance negotiation process will be far simpler. The cost of repairing vehicle damage is easy to calculate, and hard to haggle over.

On the other hand, if your claim includes hospital bills, appointments with specialists or chiropractors, and other things like lost wages, the insurance adjuster will have much more room to negotiate and may attempt to offer you far less than your claim is worth.

The Three D’s

State Farm assumes it has the upper hand in negotiating against unrepresented customers. They take full advantage of your inexperience by working hard to deny, delay, and defend.

State Farm adjusters are taught to start the claims process by denying responsibility for pretty much everything. If you’re persistent, adjusters will be slow to respond to your emails and calls.  State Farm figures that the best way to get you to accept a smaller settlement is to make you wait as long as possible to receive payment. They count on you needing the money, and hope that you’ll accept less money now because you’re desperate to receive anything.

Lastly, State Farm employs legal counsel on a full-time basis. This allows them to avoid the high costs typically associated with defending claims in court. Knowing that they’ll avoid those costs, State Farm is not afraid to take especially expensive claim to court.

Evaluating an Insurance Settlement Offer

If a State Farm claims adjuster offers you a settlement, it’s almost never a good idea to immediately accept it.  Likewise, giving a counteroffer provides State Farm with a record of the amount that you are willing to accept in a settlement.  Giving them this proof without first knowing what your claim is realistically worth is risky because it allows them the chance to get out from under your claim for far less.

Our Tucson Car Accident Attorneys Can Help

Negotiating a car accident claim against State Farm without the help of an experienced injury attorney is incredibly difficult. Fortunately, the attorneys here at Zinda Law Group can help.

Our Tucson car accident lawyers are highly experienced in dealing with insurance companies, and we have the knowledge and resources to help you build the strongest case possible. We will help you pursue full compensation for medical bills, property damage, lost income, pain and suffering, and much more. And as one of our clients, you will pay nothing unless we win your case. That’s our no-fee guarantee.

If you have been injured in a car accident, call Zinda Law Group today at (800) 863-5312 for a free consultation with one of our auto accident lawyers in Tucson. Meetings with attorneys available by appointment only.