How Does State Farm Insurance Handle Car Accident Injury Claims? | Fort Collins Injury Lawyers

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It is very likely that you are familiar with the State Farm insurance company and its products. Known for its catchy “Like a Good Neighbor” jingle, State Farm is among the largest and most profitable insurers in the country, particularly with respect to auto insurance.

Although State Farm’s commercials, advertisements, and slogans conjure up the ideas of customer satisfaction and savings, the fact of the matter is that State Farm manages to stay profitable by receiving more money in premiums than it pays out in claims. This means that although State Farm may provide friendly customer service, the company also must find ways to pay out as little as possible when dealing with car accident injury claims.

If you or a loved one has been hurt or injured following a car accident and need help dealing with State Farm, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our skilled and experienced Fort Collins auto accident attorneys.

How Does State Farm Handle Auto Claims?

Becoming familiar with the process that State Farm uses in handling car accident injury claims can be very helpful for a number of reasons.

For instance, understanding State Farm’s process and knowing how the company evaluates claims can relieve much of the stress associated with filing a claim after being involved in a car crash.

Understanding State Farm’s process can also make you aware of the tactics that State Farm uses to try and pay out as little as possible.

Filing Your Claim

After being injured in a car accident, you may have to file a claim with State Farm if the company insures the at-fault individual or entity, or if you have personal coverage through a policy with State Farm.

You can file a claim with State Farm online at, via telephone at 800-732-5246, or via the State Farm Mobile App.

The claim filing process will require you provide information regarding the accident that led to your injury, including the date and time of the accident, the location of the accident, and any resulting injuries or damages that occurred.

You may want to consider consulting with an attorney before sharing the details of your accident with State Farm. This is especially so in cases where you sustained injuries such as neck or back pain as a result of the automobile accident.

Consulting with an experienced injury attorney who can guide you through the question-and-answer process can lower the chances of your responses hurting the overall value of your claim.

Pursuing Your Auto Accident Claim

After your car accident injury claim has been filed, a State Farm adjuster will be assigned to your case. The adjuster will be responsible for investigating the facts and circumstances regarding the accident that led to your injury. It is very important to remember that the adjuster is working with State Farm’s best interests in mind, not yours.

For the most part, State Farm’s adjusters have been known to work quickly. Once the adjuster is done investigating, he or she will rely on methods and formulas used by the company to come up with a dollar amount that is supposed to correspond to your injuries and damages. However, it is important to realize that these formulas are designed to lower the amount of your claim.

State Farm may try to justify its offer by claiming that your injuries were caused by a prior event and not the car accident, that your injuries have healed since the date of the accident, or simply that your claim is not worth that much.

Settling Your Claim

Because the strategies and tactics used by State Farm and its adjusters are designed to keep the company profitable, it is likely that you will receive a settlement offer below the actual value of your claim.

However, it is possible to negotiate a more favorable settlement offer. If you find yourself in this situation, you may want to consider consulting with a skilled injury attorney who can provide you with valuable information and tips regarding the negotiation of your settlement offer.

Our Fort Collins Car Accident Injury Lawyers Are Here to Help

At Zinda Law Group, our Fort Collins injury attorneys have plenty of experience in handling car accident injury claims. Our dedicated team has the knowledge and desire to help you navigate the State Farm claim process and will work tirelessly to assist you in seeking the compensation you deserve.

Our firm also believes that an injury victim should never have to worry about being able to afford excellent legal representation. That is why we offer 100% free consultations, and why you pay nothing unless we win your case. That’s our No Fee Guarantee.

If you would like to speak with an experienced Fort Collins car accident injury lawyer, or to learn more about the State Farm claim process, call Zinda Law Group at (800) 863-5312 to receive your free case evaluation.

Meetings with attorneys are by appointment only.