How to Negotiate an Injury Claim with State Farm Insurance in Fort Worth

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

Filing a Claim with State Farm Insurance

If you are injured in a personal injury accident, such as a car wreck or an 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 who works on behalf of State Farm Insurance and thus has a job to settle your claim with as little expenditures as possible.

What to Expect in a State Farm Settlement

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 of 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, including 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, in hopes of trying to get you to agree to a settlement that is much less than your initial settlement offer. This is a common tactic used to gauge how much resolve you have and whether your claim can be settled quickly. You should ask your adjuster to justify the amount they are 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. They are concerned most about the financial exposure of State Farm, meaning how much they have to pay to get rid of your claim. One tactic to your advantage, however, is communicating to State Farm that you are prepared to take legal action if you are not offered a fair and reasonable settlement, as a trial will cost the company considerably more money. To bolster that position, you can include facts that would be very favorable to you at trial, such as your family situation, how much pain you suffered, and how your injuries have impacted your life.

Fort Worth Injury Lawyers Experienced in Handling Insurance Companies

If you do not feel comfortable negotiating a personal injury claim, you should enlist the help of an experienced Fort Worth 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, our team of personal injury attorneys has years of experience in dealing with insurance companies, and we are proud of our record in helping injured clients recover compensation for such damages as medical expenses, property damage, lost wages, pain and suffering, and more. If an insurance company is unwilling to settle, our injury lawyers have the resources necessary to fully litigate your claim in trial.

Learn more about how we can help you in your State Farm Insurance settlement by calling (800) 863-5312 for a free consultation with one of our Fort Worth personal injury lawyers.

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