How Our Lawyers Handle a State Farm Injury Claim

A car accident can add a lot of stress and challenges to your life. On top of your injuries and emotional distress, you might be struggling with expensive medical bills, lost wages, and the headache of dealing with insurance. If the driver who hit you is insured by State Farm, you may already know how frustrating the claims process can be. While the company advertises its commitment to being a “good neighbor,” the reality is that injured parties often face delays, low settlement offers, or outright denials.

If you are insured by State Farm, you may also face the roadblocks they use to avoid paying out uninsured or underinsured motorist coverage claims. These are needed when the at-fault driver doesn’t have enough insurance to cover your expenses.

That’s where a personal injury lawyer can help. At Joye Law Firm, we have extensive experience dealing with State Farm and understand the tactics they use to delay or minimize payouts. Our attorneys can handle the legal complexities of your claim, push back against unfair tactics, and fight for the full amount you need to recover. With our experienced legal team on your side, you won’t have to face this process alone or accept less than you deserve.

Contact a car accident lawyer near you today for a free consultation to see how our lawyers handle a State Farm injury claim.

Winning Against State Farm: Our Proven Results

Insurance companies like State Farm know our reputation—they’ve seen us fight and win for injured people across South Carolina. With decades of experience handling personal injury claims, our attorneys know the tactics insurers use to minimize payouts, and we don’t back down. When State Farm tries to undervalue claims, we use our proven track record to secure the compensation our clients deserve, including:

• $275,000 from an excess policy for a motorcycle rider who suffered a scapular fracture after a car pulled out in front of him, causing a collision.
• $50,000 policy limit secured for a man who suffered back injuries requiring surgery after a rear-end crash in Myrtle Beach.
• $150,000 Underinsured Motorist (UIM) settlement for a woman who suffered from back pain after being rear-ended in North Charleston.
• $150,000 recovered from the at-fault party’s liability policy after a head-on collision in Summerville caused our client severe head and back injuries

Common Tactics Insurance Companies Use to Reduce or Deny Claims

Insurance companies like State Farm often use a variety of tactics to reduce or deny the compensation paid to you. These methods are designed to protect their bottom line, even when it comes at the expense of those harmed by an accident. Here are some common strategies your lawyer may encounter when filing a personal injury claim on your behalf:

Delaying the Claims Process

Insurance adjusters may stall negotiations or require unnecessary paperwork to slow down the process. This delay is designed to pressure you into accepting lower settlements, especially if your medical bills or other expenses are piling up.

Offering Lowball Settlements Early

Shortly after an accident, adjusters might extend a quick settlement offer that is far less than the claim’s actual value. This tactic aims to resolve the case before you fully understand the extent of your injuries and losses.

Questioning the Severity of Injuries

Adjusters often scrutinize medical records and may argue that injuries are pre-existing, exaggerated, or unrelated to the accident. They may also push for an independent medical examination to challenge the findings of a treating physician.

Shifting Blame

By disputing liability or suggesting you were partially or fully at fault, insurance companies aim to reduce the payout. South Carolina’s comparative negligence laws may allow an insurer to lower compensation if you share responsibility for the accident.

Downplaying Non-Economic Damages

Adjusters frequently undervalue non-economic damages like pain and suffering, arguing that such losses are subjective or difficult to quantify. This tactic can significantly reduce the total settlement amount.

Using Recorded Statements Against You

Adjusters may request a recorded statement under the guise of understanding your claim better. However, anything said during this conversation can later be used, or twisted, to dispute your claim or minimize its value.

Rejecting or Ignoring Evidence

Even when strong evidence supports a claim, insurers may dismiss or downplay its significance. For example, they might question the credibility of witness statements or accident photos.

Threatening to Deny Claims Entirely

In some cases, insurers may outright deny a claim based on technicalities, such as a delay in filing or incomplete documentation. This tactic is used to intimidate you and deter you from pursuing rightful compensation.

How a Car Accident Lawyer Can Help with a State Farm Injury Claim

Insurance companies are focused on protecting their bottom line—not on making sure you get the compensation you deserve. Hiring the right car accident lawyer ensures you receive support when you need it most. Without an experienced attorney on your side, you risk paying out of pocket for injuries that weren’t your fault. From the moment you call our firm to start your initial case evaluation to the final resolution, our legal team will fight to protect your rights. Here’s how we can assist at each stage:

Initial Case Evaluation

The process begins with a detailed review of the accident and its aftermath. A lawyer assesses the facts to understand the scope of the claim and its potential value.

• Reviewing Accident Details: This includes examining police reports, witness statements, and any available photos or videos from the scene to establish liability.
• Analyzing Medical Records: A lawyer evaluates the medical treatment you’ve received to document the extent of the injuries and their impact on daily life.
• Determining Coverage and Limits: They review the at-fault driver’s State Farm policy to identify coverage options and assess whether additional sources of compensation are available. This includes checking for commercial policies if the driver was on the job, as well as assessing your own Uninsured or Underinsured Motorist (UM/UIM) coverage to ensure you receive the maximum compensation possible.
• Estimating Damages: By analyzing the financial and non-financial losses, the lawyer outlines the potential value of the claim.

Documentation and Evidence Collection

Strong evidence is essential for proving liability and damages. A car accident lawyer organizes and gathers the necessary documentation to support your claim.

• Preserving Evidence from the Scene: Accident scene photos, witness accounts, and police reports are critical for establishing fault.
• Collecting Medical Records: Comprehensive records detailing your injuries, treatments, and long-term recovery needs demonstrate your claim’s validity.
• Employment Verification: If the injuries resulted in missed work or reduced earning capacity, your employment records and wage loss documentation are included.
• Obtaining Expert Opinions: Testimony from medical professionals or accident reconstruction experts may be used to strengthen your claim.

Dealing with State Farm Adjusters

State Farm’s adjusters aim to minimize payouts, but our lawyers know how to handle their tactics effectively.

• Protecting You During Statements: Adjusters may request recorded statements to use against you. A lawyer ensures these interactions do not harm the case.
• Managing Communication: All correspondence with State Farm is handled by the lawyer to prevent missteps or admissions that could jeopardize the claim.
• Avoiding Pitfalls in Early Offers: Adjusters often extend low settlement offers before the full extent of injuries is known. A lawyer evaluates these offers critically and advises clients on whether to accept or reject them.

Building Your Case

To secure fair compensation, a lawyer develops a strong and persuasive case supported by evidence and expert analysis.

• Calculating Total Damages: They assess both economic damages, like medical bills and lost wages, and non-economic damages, such as pain and suffering, to determine the claim’s full value.
• Reconstructing the Accident: When fault is disputed, accident reconstruction experts may be consulted to provide clarity on what happened.
• Documenting Recovery Timeline: A clear timeline of your medical treatments and recovery progress demonstrates the severity and long-term impact of your injuries.
• Hiring Expert Testimony: Medical professionals, economists, or other specialists may provide testimony to substantiate the claim.

Negotiating a Fair Settlement

A car accident lawyer takes a strategic approach to negotiations, aiming to reach a settlement that fully compensates for your losses.

• Drafting a Demand Package: This comprehensive document outlines your claim, supported by evidence, and sets the stage for negotiations.
• Countering Low Offers: Lawyers push back on lowball settlement proposals with well-documented arguments for higher compensation.
• Highlighting Risks for the Insurer: By demonstrating the strength of your case and the willingness to go to court, if necessary, lawyers encourage the insurer to offer fair terms.

Taking Your Case to Court, If Necessary

If negotiations do not result in a fair settlement, a lawyer can escalate the matter by filing a lawsuit against State Farm.

• Filing the Complaint: This formal legal document initiates the lawsuit and outlines your case.
• Engaging in Discovery: Both sides exchange evidence, conduct depositions, and gather information to prepare for trial.
• Preparing for Trial: Lawyers develop a courtroom strategy, prepare witnesses, and present evidence effectively.
• Litigating the Case: If your case goes to trial, the lawyer advocates for you before a judge or jury to seek a favorable verdict.

Helping You Decide Between Settlement and Trial

A lawyer provides guidance on whether to settle or proceed to trial, weighing the benefits and risks of each option.

• Evaluating Settlement Offers: Lawyers compare settlement offers against the potential outcomes of a trial to determine if they reflect your claim’s value.
• Conducting a Cost-Benefit Analysis: They consider the time, expense, and uncertainty of a trial versus the certainty of a settlement.
• Providing Honest Advice: Ultimately, a lawyer ensures you make an informed decision that aligns with your best interests.

By supporting accident victims through every step of a State Farm injury claim, a car accident lawyer helps ensure you receive the compensation you deserve.

We Can Help with Your State Farm Injury Claim

When dealing with a State Farm injury claim, you need a legal team who can explain everything clearly and advocate for you along the way. Our South Carolina personal injury lawyers at Joye Law Firm regularly handle claims against large insurance companies like State Farm. We understand how to counter their strategies and fight for fair compensation. This commitment to client success involves not only pursuing the best possible outcome but also providing consistent communication and support throughout the process.

Experience and Knowledge in Handling State Farm Injury Claims

Our legal team is familiar with State Farm’s tactics and knows how to build strong claims that stand up to scrutiny. We anticipate the insurer’s attempts to minimize payouts and respond with well-prepared arguments and evidence. This knowledge ensures that clients are in a position of strength when negotiating or litigating their cases.

Commitment to Client Success and Securing the Best Outcome

Every case presents unique challenges, and our dedicated lawyers tailor their approach to achieve the best resolution possible. Whether through settlement or litigation, our focus remains on securing compensation that reflects the full scope of the injuries and losses.

Keeping Clients Informed at Every Stage

Open communication is essential during the claims process. Our responsive legal team keeps clients updated on the progress of their cases, explaining developments and the next steps. Clear communication helps our clients feel confident and reassured as the process unfolds.

Explaining Legal Terms and Steps in the Claims Process

The legal process can involve unfamiliar terms and procedures. Our lawyers take the time to explain each step in plain language, ensuring clients fully understand what to expect and how their case is progressing.

Addressing Client Concerns and Questions

Questions and concerns often arise during the claims process, and our lawyers promptly address any of your questions or issues. By being available and approachable, we build trust and demonstrate our commitment to our clients’ well-being.

With our experienced legal representation, injured individuals gain the support and advocacy they need to navigate a State Farm injury claim with confidence.

Contact Our SC Personal Injury Attorneys Now

If a State Farm policyholder caused a car accident in South Carolina that hurt you or a close family member, don’t let the insurance company undervalue your claim. Joye Law Firm is here to help. Contact us today for a free consultation and let us put our knowledge to work for you.