State Farm Mutual Automobile Insurance Company, more commonly know as State Farm, has been the leading automobile insurance company in the United States since 1942 and is one of the largest Fortune 500 companies in the nation. They currently have an estimated 44 million auto insurance policies and provide a variety of coverage options. A few of the many insurance policies State Farm offers its customers include:
- Teen driver coverage
- Rental car coverage
- Sports car coverage
- Commercial auto coverage
- Classic and antique car coverage
- Homeowners insurance
- Condo insurance
- Renters insurance
- Life insurance
- Health insurance
- Liability insurance
- Disability insurance
- Small business insurance
- Motorcycle insurance
- Boat insurance
- Motorhome insurance
- Off-road vehicle insurance
Like other insurance companies, the primary goal of State Farm is to make a profit by bringing in more money through monthly premiums than it pays out to its premium holders for insurance claims. One way that State Farm and other insurers do this is by training its claims adjusters to use various tactics to decrease insurance claim values. By reducing the value of a claim, State Farm will be required to pay less in terms of claims payouts. While this may be beneficial for the insurance company, it can have a negative impact on accident victims who are injured or have sustained property damage by drivers who hold State Farm auto insurance policies.
Luckily, claimants don’t have to deal with a large insurance company like State Farm alone. The expert accident lawyers at Florin|Roebig have successfully managed countless lawsuits with State Farm for bad faith claims and come out on top for their clients. Florin|Roebig has office locations in Texas, Minnesota, Florida, and Colorado, and has represented clients throughout the nation since 1985.
Types Of State Farm Auto Insurance Coverage
When you’ve been injured in a car accident caused by a driver who holds a State Farm auto insurance policy, you’ll likely want to know what damages and injuries will be covered by their policy. You’ll also want to find out how much your personal injury claim is worth and whether the at-fault driver’s policy will cover that amount. How much State Farm will payout for your injuries and other damages is reliant on the type of coverage and policy limits the at-fault driver has with State Farm. Common types of auto insurance coverage include:
Collision Insurance
Collision insurance offered by State Farm covers damage to the policy holder’s vehicle that has occurred as a result of a collision with another car or object. It also provides coverage if the vehicle rolls over and incurs damage. Examples of coverage provided by collision insurance include paying for car repairs and replacements.
Comprehensive Coverage
Comprehensive coverage is another type of coverage offered by State Farm. This coverage provides compensation for vehicles that are stolen or damaged in a way other than in an auto accident or rolling over. It also covers windshield repairs and glass damage.
Personal Injury Protection Coverage
This type of coverage, also known as PIP coverage, offers compensation for lost income and medical costs incurred as the result of an auto accident. In many states, PIP coverage is a mandatory component of auto insurance. However, in some states it is optional.
Understanding the various types of coverages is important when filing a claim with State Farm. However, you don’t have to do it alone, and working to understand these forms of coverage can be difficult following a traumatic auto accident. Working with an expert attorney will make it easier to ensure you are aware of the coverage the at-fault driver has and the compensation you are eligible to receive.
Our Featured Case Results
How To File A Claim With State Farm
Before you file a claim with State Farm, it’s recommended to first consult with an experienced personal injury attorney such as those at Florin|Roebig. Your attorney can walk you through the steps of filing a claim to ensure you do so correctly and that you aren’t taken advantage of by the insurance company’s claims representatives. If your lawyer advises you to file a claim with State Farm, you can do so by calling their auto claims department at (800) 732-5246.
After you’ve reported the claim to State Farm, the claim will be sent to a local claims adjuster who will contact you for a statement. Once you’ve made your statement, State Farm will begin an investigation into the claim to determine liability. It’s important to work closely with your attorney during this time, as what you say can be used against you in a personal injury case.
How To Increase Your Chances Of Getting Compensation From State Farm
There are several things you can do following an auto accident to increase the likelihood that you get the compensation you deserve from the at-fault driver’s car insurance company. Keep the following tips in mind when faced with an auto accident:
Use Your Phone To Take Pictures Of The Scene
Photos are a great way to show exactly what happened, the damage that each vehicle incurred, and any injuries you received as a result of the accident. These photos can be used to support your personal injury case in court and can increase your chances of getting appropriate compensation.
Call The Police
It’s always advisable to get a police report immediately following a car accident. If you’re able, contact the police as soon as possible following your auto collision. The police will conduct an investigation and provide you with a police report that can be used when filing a claim with State Farm.
Get Any Information From Witnesses
If there were any witnesses to the accident, try to get their contact information before they leave the scene. Witnesses can be very beneficial in a personal injury case and can support your chances of getting the compensation you need and deserve.
Keep Track Of All Medical Expenses
Keeping documentation of all medical expenses incurred as a result of the injuries you sustained in the accident is imperative when seeking reimbursement from State Farm. Any medical bills and out-of-pocket medical expenses should be documented and made readily available to your attorney.
Go To All Of Your Doctor’s Appointments
It’s important that you follow the advice of your doctor and attend all appointments and medical recordsrelated to the injuries you sustained during the accident. Not following medical advice can have a negative impact on your ability to obtain compensation.
We Are Nationally Awarded Lawyers
Get Help Filing An Auto Accident Claim With State Farm
Being the victim of a car accident caused by another person is never easy, and receiving the compensation you deserve can be challenging. Luckily, the expert personal injury attorneys at Florin|Roebig are dedicated to helping people like you obtain the just settlement you’re entitled to. Call us today for a free consultation and legal advice on your car accident claim.
