Negotiating a Settlement with State Farm

If you filed an insurance claim with State Farm to demand compensation for injuries you incurred in an accident, you may soon realize that negotiating a settlement with State Farm can be a complex task. Insurance companies like State Farm will take measures to undermine how much your case may be worth, avoid going to court over your case, and invalidate your case in any way possible to secure profits.

Companies like State Farm will also have extensive legal teams to protect their interests, not yours. However, that doesn’t mean you have to fight for your case alone. You can hire a personal injury lawyer from our firm to represent you and build a case on your behalf. We know how to handle insurance companies like State Farm and can fight for the compensation you need.

Be Careful with the Information You Divulge with State Farm Insurance Adjusters

An insurance adjuster from State Farm may reach out to you for a statement and request you sign documents to release your information to the insurer for review. You have to be careful with these communications because anything you say or divulge can be used against your case and in favor of the insurer denying you compensation or the amount you claim. 

Until you understand your legal rights, keep the following in mind:

• Your phone call with State Farm will be recorded and used as evidence: From the moment you begin speaking, the insurance adjuster will be observing any discrepancies in your retelling of the accident and possible admissions of fault. Minor details you got wrong about the events that occurred may be used to lower or deny your compensation settlement.
• Signing medical authorization forms gives the insurer access to ALL your medical records: If the State Farm insurance representative asks you to sign medical authorization forms to gain access to your medical records for claims purposes, remember that you will also be granting them access to your full medical history. This can serve as a tactic for the insurer to see whether you had prior injuries or conditions to the accident that could allow them to dispute or deny your claim.
• The first settlement offer will always be the lowest, not what your case is worth: Insurance companies often want to avoid going to court to save costs. Some cases settle before they go to trial. However, just because a State Farm insurance adjuster offers you a settlement, this does not mean you should immediately take it. Many initial offers serve as the minimum amount of coverage a policy can cover, but this figure might not fairly account for your current or future damages.

While an insurance adjuster may sound nice, you should be wary of being too open about your case information if you want to negotiate a fair settlement deal. To avoid jeopardizing your case, you can refer all insurance representatives to your lawyer to speak on your behalf, and our legal team will take care of the rest.

Our Personal Injury Lawyers Can Protect Your Case and Advocate for You

When you hire a personal injury attorney from our firm to represent you, you can rely on us to:

• Investigate your case and review your insurance policy: We will read over all insurance policies that apply to your case and conduct our own investigation into your accident. We can also retrieve evidence that could strengthen your personal injuries case, such as video footage, eyewitness testimony, and expert analysis. 
• Calculate how much compensation to pursue based on your damages: As mentioned, your damages will determine whether a settlement offer is fair to you, not the policy coverage limit an insurer offers. Our team will discuss how your accident affected you, then collect evidence to calculate how much compensation we should pursue to fairly cover your damages, both current and future.
• Prepare your case for a trial: While the insurance company might try to avoid court, we won’t. Not every accident case leads to a settlement and may require pursuing compensation in a trial—and our team is ready to fight for you. We will offer legal counsel on how to navigate the litigation process and provide case updates as it progresses. We will also take steps to keep your case valid within Louisiana’s two-year statutory deadline, as written in CC 3493.1.

If you have further questions about how our team can help your case, feel free to speak with a team member in a free consultation.

Call Laborde Earles Injury Lawyers to Have Us a Negotiate a Settlement for You

Negotiating a settlement with State Farm can be an intimidating challenge if you’re unaware of your rights under tort law and your personal insurance policy. However, you don’t have to fight for your case on your own. You can hire a personal injury lawyer from Laborde Earles Injury Lawyers to stand up against State Farm’s legal representatives for you, whether you’re a victim of an auto accident, maritime accident, or property-related accident. 

Call our firm today to get a free case review from one of our team members. We can go over your legal options and start advising you on how to handle calls with insurance companies should they reach out to you with a low settlement offer. Don’t lose your opportunity to pursue the financial recovery you deserve and start your legal journey today.