Many drivers have auto insurance through State Farm, so if you are in a collision, there is a good chance you must file a State Farm claim. This can be a tough company, and having the right legal advocate is important.

Our lawyers handle State Farm injury claims by calculating exactly how much compensation the client deserves and demanding that amount from State Farm. Despite its market-leading status among auto insurance providers, State Farm is not interested in flippantly handing out large claim payments.

You may need to prove your right to compensation beyond a doubt, and even then, State Farm representatives may try to lowball you.

If you have been injured in a car accident and driver have auto insurance though State Farm, you need a experienced car accident lawyer to handle your injury claim you deserve.

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State Farm Is the Largest Auto Insurance Provider (What This Means for Claimants)

State Farm writes the most premiums of any auto insurance provider as of May 2024. The massive auto insurer has a nearly 17 percent market share and writes $46.7 billion in premiums annually. These facts mean that State Farm:

• May not treat claimants with personal attention: Large organizations can lose their personal touch, and State Farm is no exception. Rather than considering the personal circumstances of each claimant, State Farm’s representatives may view you more like a case number. This outlook can make it easier for the insurer’s representatives to deny your claim, lowball you, or engage.
• Has immense financial resources on its side: There is no doubt that State Farm has substantial financial resources going for it. While the company can use these resources to pay all claimants fairly, that’s not typically how insurance companies operate. Instead, State Farm may use its existing resources (investments it has already made) to avoid paying more compensation to claimants (including you).
• Can afford to hire experienced claims adjusters and attorneys: Insurance companies with State Farm’s market share can afford to hire highly qualified employees. Once hired, these employees may be instructed to avoid paying any compensation it does not have to. This mandate can mean a difficult road to secure the compensation you deserve.
• Is undoubtedly focused on its profits: Insurers the size of State Farm do not achieve their status by ignoring profitability. In fact, large insurance companies may be intensely focused on maximizing financial gains, as they may have an explicit goal to return large sums to their stakeholders. This goal may lead to decisions like denying claims that should be paid out (in the name of making a buck).

It is possible that State Farm handles your claim in good faith, recognizes the cost of your losses, and offers a fair settlement. You shouldn’t be surprised if State Farm places its financial interests before yours instead.

We Will Walk You Through What to Do Next

Auto accidents are associated with both physical and psychological harm. You may be confused and diminished; our attorneys will ensure you get through the process. We will ensure that you:

Retain Our Team

Hiring a qualified car accident lawyer should be one of your top priorities after an auto accident. Left alone to deal with State Farm, you can be vulnerable to bad-faith insurance practices and mistakes that lead to an unfavorable claim outcome.

Once you have our team on your side, your claim and rights are in good hands. We will take over every aspect of your fight for compensation.

Get the Medical Care You Need

Our attorneys can help you find all the medical care you need, which may include:

• Emergency care to ensure you are not in imminent danger
• Medical images of your injuries
• A physical evaluation
• Surgery
• Hospitalization
• Medications
• IVs
• Wound care

The severity of your injuries is a key factor in the cost of your injury claim. Therefore, you need to allow medical professionals to document every injury and symptom resulting from your traffic accident.

Make All Necessary Statements to State Farm (and Other Insurers)

Giving statements to insurance companies is usually inevitable after a traffic accident. After all, you are seeking compensation from State Farm, so State Farm will need to know how your injuries happened.

We may arrange for you to provide a written statement to State Farm and any other insurance companies, which can:

• Ensure you provide all necessary details without forgetting
• Ensure you do not make a verbal slip-up or any other error that can negatively affect your claim
• Prevent State Farm representatives from intentionally confusing you or coaxing you into making harmful statements

Our car accident  attorneys will make the claims process as pain-free and low-risk as possible for you.

Are Not Vulnerable to Rights Violations

Our lawyers will handle all interactions with State Farm representatives as we possibly can. By standing in for you, we will minimize the risk that State Farm can manipulate you in any way that causes you financial harm.

Once you have made any necessary statements, you can focus on your recovery. Our team’s car accident lawyers will lead your case for a financial recovery.

Our Attorneys Lead Every Step in the Claims Process

We aren’t interested in merely resolving your State Farm injury claim. We are interested in securing every penny you deserve for accident-related damages. When we obtain fair financial recoveries for accident victims, we typically do so by:

Researching All Relevant Insurance Policies

Our lawyers dive into any insurance policy that affects our clients. This will include any policies State Farm issued, whether a third party’s or your own.

Specific details we look for in insurance policies include:

• Coverage limits
• The conditions under which you are entitled to compensation from the insurer
• Circumstances that can void coverage
• Deadlines for taking action related to the claim

We will quickly gather such information to move forward with your claim as efficiently as possible.

Securing Evidence of At-Fault Parties’ Negligence

Our attorneys will investigate the accident that has led you to file a State Farm injury claim, and we will gather any relevant evidence, including:

• Video footage of the accident that prompted your claim
• A police officer’s report of the accident
• Your account of the accident
• Eyewitnesses’ accounts of the accident
• Photographs of damaged vehicles

We may have an expert reconstruct your accident, especially if there is no clear video footage of the collision. If any evidence can help us prove fault and secure fair compensation from State Farm, we will secure it and implement it in your claim.

Documenting Our Client’s Accident-Related Damages

State Farm will likely need to see proof of your accident-related losses before it agrees to pay you fairly. We will waste no time in securing such documentation, which may include:

• X-rays
• MRIs
• Other medical images
• Your doctor’s diagnosis of injuries
• Your doctor’s explanation of your treatment needs
• Evidence of lost income
• Invoices for vehicle repairs
• A mental health expert’s diagnosis of your pain and suffering

Your economic and non-economic damages will differ from every accident victim’s. Our attorneys will identify the damages you’ve suffered and substantiate them with all available documentation.

Determining Exactly How Much Money Our Client Deserves

Every client deserves a specific amount of compensation. Our attorneys will calculate the cost of your unique damages, including:

• Economic damages (also known as actual damages, which tend to have a straightforward financial value)
• Non-economic damages (also known as general damages, which may have a less clear financial value)

Vehicle repair costs are one example of economic damage, while pain and suffering is a non-economic damage. Trust our lawyers to use widely accepted methods to calculate your case value.

Negotiating Urgently for a Fair Settlement (with State Farm and Other Liable Insurers)

The majority of car accident cases lead to a settlement, which may be the eventual outcome for your State Farm injury claim. Securing a fair payout from State Farm may not be as easy as it should be, as there may be disputes over:

• Who is at fault for your injuries
• The monetary value of your losses
• How much compensation State Farm is contractually obligated to pay you
• Other issues pertinent to a settlement negotiation

Our attorneys will arrive at negotiations equipped with evidence of fault, thorough documentation of your damages, and a rationale for our settlement calculation. We will demand that State Farm compensate you fairly and not back down from our evidence-based settlement demands.

Pursuing Any Necessary Lawsuit

It’s possible that State Farm refuses to offer a fair settlement or even acknowledge your claim as valid. In this circumstance, suing may be the right decision (or only decision).

Our attorneys have experience with all aspects of lawsuits, from filing to negotiating settlements. If necessary, we will even take your case to trial.

We Demand Fair Compensation for All Covered Losses

Auto accidents can cause many significant damages, including:

Medical Expenses

Auto accident victims often need emergency transport, care, surgery, and other medical services. Our attorneys will work with your doctors to identify the nature of your damages and related medical services. We will demand that State Farm and any other responsible insurer compensate you fairly for your medical costs.

Pain and Suffering

You may face many types of pain and suffering, including:

• Immediate and chronic pain
• Anxiety
• Depression
• Lost quality of life
• Post-traumatic stress disorder (PTSD)
• Scarring and disfigurement

Our firm will ensure you receive an evaluation from a qualified mental health expert. The expert’s diagnoses and testimony may be a strong addition to your case.

Professional Damages

Professional damages that can result from auto accidents include:

• Lost income
• Diminished earning power
• Lost bonuses, overtime pay, and other incentives
• Permanent loss of your ability to earn an income

We may consult economists if you suffer complex professional harm, often when an accident victim has serious injuries.

Disabilities

A disabling injury can require long-term care, medical equipment, and other items and services. We will consider the full cost of any disabling injury you have suffered.

Property Expenses

You may need compensation for vehicle repairs, vehicle replacement, temporary transport, and other consequences of damaged property. We will include such costs in your State Farm injury claim.

Wrongful Deaths

If you have lost a loved one because of a fatal accident, you may need legal representation more than most. Our lawyers will identify the harm you have suffered because of the at-fault party’s negligence, which may include overwhelming grief, lost financial support, funeral expenses, and other damages.

Rest assured that our attorneys know how to calculate accident-related damages accurately. We don’t advise clients to settle unless State Farm or other liable parties extend a fair offer.

How Much Will I Have to Pay My Car Accident Lawyer?

Due to contingency fee arrangements, you won’t have to pay your lawyer any compensation out of your pocket. Your lawyer’s fee will come from any settlement or judgment they secure for you. The lawyer will shoulder the financial risks associated with your case, and they will need to succeed if they are to receive payment for their services.

Never Wait to Hire Your State Farm Car Accident Lawyer

There may be several time-sensitive aspects of your State Farm injury claim, including a filing deadline. Do not wait any longer to speak with our team of Cape Girardeau personal injury attorneys about your claim; we are ready to help now.