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How To Negotiate An Injury Claim With State Farm Insurance

Negotiating a claim with State Farm Insurance can be a frustrating experience. State Farm (which is the parent company for a number of insurance and financial companies) was recently ranked 44th out of U.S. companies by revenue. In recent years, there have been accusations that State Farm and its insurance companies have unfairly denied claims filed by individuals seeking compensation for their injuries.

If you are injured in a personal injury incident, like a slip and fall or unsafe property accident, you may file a claim with State Farm if they insure the property owner or person responsible (or if you have personal coverage through a policy with State Farm). Your claim will be assigned to a claim adjuster. The claim adjuster works on behalf of State Farm Insurance and his or her job is to settle your claim with as little expenditures as possible.

Some have attempted to negotiate settlements of their claims with State Farm Insurance on their own. Recent news reports suggest that it may be difficult to negotiate with State Farm and receive a satisfactory settlement figure. Nevertheless, you may increase your odds at successfully negotiating with State Farm Insurance by:

  1. Communicating your settlement offer to your adjuster. Once you have a fair grasp on the cost and magnitude of your personal injury losses, you should use this information to arrive at a settlement figure that properly compensates you. You should consider all of your losses, such as medical bills, ongoing treatment costs, pain and suffering, and lost wages. Send your settlement offer to your claims adjuster and indicate what amounts you are claiming for each of your losses.
  2. Expect some “back and forth” to occur. Except in unusual circumstances, your claim adjuster will likely reject your settlement offer at first. He or she will try to get you to agree to a settlement that is much less than the settlement offer you made. This is a common tactic used to gauge how much “fight” you have in you and whether your claim can be settled quickly. You should ask your adjuster to justify the amount he or she is offering.
  3. Know what matters to your adjuster. As terrible as your injury may be, your adjuster likely cares very little about your personal situation. He or she is concerned most about the financial exposure of State Farm: how much they have to pay to get rid of your claim is of chief importance. To that end, facts that make it more likely State Farm will have to spend considerably more money if it does not agree to your settlement amount should be communicated to the adjuster. This can include facts that would be very favorable to you at trial (such as your family situation, how much pain you suffered, how your injuries impacted your life) as well as demonstrating that you are not going to settle your claim for much less than it is worth.

If you do not feel comfortable negotiating a personal injury claim, you should enlist the help of an experienced personal injury attorney. Negotiating with a claims adjuster takes patience and tenacity. You must be reasonable but not too accommodating. For those still recovering after a serious personal injury incident, this can be a nerve-wracking process.

At Zinda Law Group, we have helped injured clients negotiate favorable settlements with State Farm and other insurance companies. We strive to resolve your injury claim by getting as much compensation as possible as quickly as possible. When a settlement is not in your best interest, we can advise you of other methods of compensation we can pursue with you. See what we can do for you by calling our office at (800) 863-5312 to schedule a free consultation.


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