Posted in Car Accidents on May 25, 2020
When you have State Farm insurance, you probably expect that you will receive quality, first-rate coverage in the event you were in an accident. The reality is that State Farm has a sketchy track record when it comes to securing compensation for car accidents in Georgia. It is vital that you understand how the State Farm claims process works so you can take the right steps after an accident occurs.
In addition to the stress of being involved in a car accident in the first place, the weight of filing a claim with State Farm can create additional burdens. State Farm is an incredibly large insurance carrier, and you need to remember that they are a “for-profit” company. They will do what they can to lower the amount of money they pay you in a settlement, but there are steps you can take to obtain maximum compensation.
Filing your initial claim with State Farm needs to happen as soon as possible after the accident occurs. This will be the easiest part of the process and can be done through their mobile app, online, or on the phone 24 hours a day. You will not need to provide anything more than basic facts about the crash at this point.
In order to maximize your State Farm claim in Georgia, you need to gather as much evidence related to your case as possible. This begins as soon as the crash occurs. If possible, take photographs at the scene of all damages, injuries, and causes of the crash. Get the insurance information and name of other drivers involved as well as contact information for any eyewitnesses to the crash. Keep copies of all medical bills and other out-of-pocket expenses you incur after the accident.
A State Farm insurance adjuster is going to be assigned to your case soon after the incident occurs. Please understand that insurance adjusters are trained negotiators who work for the insurance company. Their goal is to lower the amount of money that the insurance company pays out in your case. While the claims adjuster may seem incredibly friendly, they are not on your side. They will use what you say against you, especially if your story changes at any time during the claims process.
It is important to understand that the initial settlement offer made by State Farm after a Georgia car accident is going to be much lower then what you should actually receive. State Farm is hoping that a quick settlement will be enticing enough for you to take it. The reality is that the initial offer should be the starting point of negotiations for your claim. Please understand that you should never accept a settlement offer until you know what your total medical costs will be after an accident.
If you or a loved one get into a car accident in Atlanta and you have to deal with State Farm insurance, you may need to consider securing assistance from an attorney. A qualified attorney will have the resources necessary to investigate your claim and properly calculate your total expenses. Your attorney will have no problem standing up to aggressive State Farm insurance claims adjusters in order to secure maximum compensation for your case.
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