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State Farm Insurance claims in Mississippi

There are more insurance companies in Mississippi than you could write in one sitting, one of them is State Farm.  In just more than 80 years, the company has grown from a small farm mutual car insurer to one of the largest financial institutions in the world. However, despite its claims to be a “good neighbor”, it may not always be easy to file a claim and receive a settlement from State Farm.

Often we see low-ball insurance offers coming from local insurance companies. Knowing the value of your claim will help ensure that you don’t leave money on the table that should have been paid.

State Farm Insurance Claims in Mississippi

What to do if State Farm Insurance refuses to cover your injury claim

State Farm like many other insurance companies will often make business decisions in an effort increase profits. Even completely valid claims, that everyone with a brain knows are valid are often treated with suspicion. Once an insurance company refuse to cover your injury claim or pay a fair value, you might need to escalate your claim to an attorney, which will put their profits at risk. 

This can be done effectively and without potential pitfalls through a qualified insurance attorney. An attorney will give the insurer all the papers needed to assess the claim and set a deadline to pay fairly. The insurance provider will often change their mind and do the right thing when prompted by a demand letter from a lawyer since the alternative is hiring their own attorneys and facing a full payout.

What should I expect from the insurance investigation of my case?

When an insurer investigates your case, you can expect them to ask you for a recorded statement about the accident. It is important to be cautious when giving this statement, as the information you provide could impact the outcome of your claim. While you are not obligated to comply with this request, it is wise to be informed about your rights and the potential implications of your responses. After reviewing your case, the insurance adjuster will make a decision to either offer a settlement or deny your claim. If an offer is made, it is common for it to be lower than the actual damages you have incurred. Therefore, it is crucial to have a clear understanding of the value of your medical expenses, vehicle repair costs, lost wages, and any other damages you have suffered before considering any settlement offer as fair.


What to do if State Farm Insurance gives you a low ball offer

Here is what to do if you think that State Farm is low-balling your claim.

Call Jones Law Firm for a free consultation. If you’ve been handling the case yourself up to this point, it’s time to get a skilled insurance lawyer involved.

Assess the Necessary Compensation: A skilled insurance lawyer will assist you in calculating the needed compensation, which includes economic and non-economic damages. This will take account of the whole situation, from current and future medical expenses to mental suffering due to the mishap.

Set the amount you must recover, and then negotiate above that number: When going into negotiations, you should have an amount you wish to get and the lower amount you’re willing to accept. A personal injury lawyer will assist you in setting these numbers and negotiating to collect the highest amount you can get for your accident claim.

Reject and Counter: You and your lawyer will have to decline the offered low settlement. Because the initial offer was in writing, your rejection will be in the form of writing as well and will reply to every point made during the offer, including findings that you were the responsible party for the accident.

If you find that you are unable to reach a fair settlement offer from the at-fault driver’s insurance company after a car accident, it may be necessary to consider suing the driver. In such cases, having legal representation is crucial to navigate the legal process effectively.

A knowledgeable attorney can help you build a strong case and handle all interactions with the insurance company on your behalf. Many personal injury lawyers work on a contingency fee basis, eliminating the need for upfront payments or retainers. 

If your legal counsel advises you to sue the driver, it’s essential to be aware of the deadlines that apply in your state. The timeframe within which you can file a lawsuit varies from state to state, typically ranging from one to three years, but exceptions might apply. Be sure to adhere to the statute of limitations to protect your right to seek compensation.

Choose If You Will Go to Court: This is the hardest part of insurance settlement negotiations. It’s likely that the insurance provider will not immediately accept your counteroffer. Rather, they might return with a similar amount to the initial offer or a slightly higher amount. Your lawyer can assist you in continuing to communicate with the insurance provider to negotiate an acceptable amount.

If you find yourself uncertain about any aspect of the negotiation process or the value of your case, seeking legal counsel can provide you with valuable guidance and ensure that your rights are protected throughout the settlement negotiation.


Do I need a lawyer to deal with State Farm Insurance?

Yes. Dealing with an insurer after an auto mishap is hard and complex. That is why contacting a professional personal injury lawyer is advisable. You can call  Jones Law Firm for a free consultation. They will explain your rights to compensation, know a lowball offer once it is made, and negotiate a good settlement for you. They will never pressure clients to accept an offer they aren’t comfortable with.


How do I initiate a State Farm Claim without an attorney?

To initiate your State Farm insurance claim, it is recommended that you report the accident promptly to State Farm. If the at-fault driver has not reported the accident, you can reach out to State Farm to start your claim without waiting for their report. This proactive step will not negatively impact your case. If you have legal representation, they can assist you in contacting State Farm to kick off the claims procedure. Once State Farm has been notified, they will assign a claims adjuster to your case, who will review the incident, conduct interviews with all involved parties, and gather relevant information. Should you choose to handle the process independently, State Farm offers an online portal for initiating your claim.


How does State Farm settle claims?


The State Farm settlement process from your perspective should involve advocating for fair compensation based on your expenses and losses, rather than accepting the initial settlement offer. It is recommended to not settle for the initial offer without ensuring it adequately covers your damages. Seeking the advice of a personal injury lawyer can be beneficial to understand your rights, accurately evaluate your case’s value, and effectively navigate the negotiation process with State Farm or any other insurance company. This strategy emphasizes the importance of prioritizing fair compensation and seeking legal assistance to ensure a successful settlement outcome.