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State Farm Accident Settlements

State Farm is one of the most popular insurance companies in the United States. When you are in a car accident in Wisconsin, you will have to file a claim against the at-fault driver due to the state’s fault car insurance laws. You may have to enter into negotiations with a State Farm claims adjuster to obtain funds for your losses.

The State Farm Claims Process

When you suffer serious injuries from a car accident, you want to obtain compensation to pay for your damages. These losses can include medical bills, physical therapy treatments, medications, property damage, and other physical damage. At the scene of the accident, you will collect the insurance information from the at-fault driver and obtain this compensation through State Farm.

State Farm goes through the following process to settle insurance claims:

• First, you file your claim through the State Farm website or mobile application. You can also reach the company by phone.
• Next, State Farm will review the details of your claim and assess your damages. A claims adjuster may contact you at this point to verify information and explain policy limits and coverage options.
• Then, State Farm will contact you with estimates for your claims settlement and repair options to look into, if you suffered vehicle or property damage.
• Finally, State Farm will send you payment based on policy limits and your settlement agreement. Your payment will go in your bank account or to the repair company.

This process gives little room for you to negotiate your settlement and explain the extent of your losses. Many insurance companies tend to limit input for an intentional reason. It’s important to note that you and State Farm have different goals for your settlement.

You want to obtain the maximum possible compensation to pay for your injuries. The claims adjuster wants to save the insurance company as much money as possible, providing minimal settlement options. To avoid agreeing to a lower settlement than what you need, you should obtain the services of a Wisconsin car accident attorney and conduct an external investigation.

What to Do After a Car Accident

The moments after a car accident are crucial for filing a successful claim and receiving an adequate amount of funds. Sometimes, claims adjusters will attempt to contact you as soon as possible in order to get you to agree to a settlement before you have a chance to obtain an attorney or properly assess your injuries.

Follow these tips to avoid waiving essential rights to your compensatory damages.

• Do not admit fault for the accident.
• Do not speak to a claims adjuster before speaking to a car accident attorney.
• Do not sign any agreements, authorization forms, or settlements before speaking with an attorney.
• Do not speak to a claims adjuster in the hospital.

After a car accident, speak to an attorney as soon as possible. If you are able to move around the scene, take pictures of both cars, your injuries, and the area around the scene. If there are any witnesses in the area, ask them for their contact information. Make sure to collect all relevant information from the at-fault driver, including name, phone number, and insurance information.

If you are unable to obtain this information due to injuries or disorientation, speak to an attorney. A car accident attorney can help investigate the circumstances of your case and collect evidence you may not have access to.

Do You Need an Attorney for Your State Farm Claim?

Insurance companies tend to offer the minimum settlement to claimants who do not have an attorney. In addition, State Farm may not give you the opportunity to negotiate the settlement. An attorney can provide multiple benefits for your State Farm claim.

• An attorney has the negotiation skills necessary to argue for a higher settlement.
• An attorney will be able to identify witnesses, expert testimony, and security camera footage to craft arguments for a higher settlement on your behalf.
• An attorney can assist you in documenting and calculating the actual cost of your losses to compare against State Farm’s settlement offer.

To increase your chances of a successful State Farm claim, hire a car accident attorney to represent you at the negotiating table.