Denied (or low-balled) by State Farm Insurance Claims?
State Farm claims departments generally have "teams" assigned to claims. This is an attempt to make sure that no single insurance adjuster gets "too attached" to an insured or claimant. If they were too attached then there would be a risk in "overpaying" a claim which simply means that the claim would be paid at the high end of State Farm's settlement range. It also makes the denial of a claim less personal. One person investigates, another denies, and that way it is a "team" effort.
State Farm uses in-house staff attorneys to defend lawsuits against their insureds. They rarely use outside law firms because State Farm wants to control the costs and the outcomes associated with each and every claim.
State Farm is known for take it or leave it style negotiating. Once they offer a certain amount, slightly more than their first offer, they will stand firm. This shows some flexibility so they do not get in trouble with the insurance regulators.
After this take it or leave it offer, you will likely have to file a lawsuit to get them to "re-evaluate" your claim. They will often then pay you more because you "provided new information" for them to consider. This is the claims game that plays out over and over again.
Learn what can be done....you can have State Farm's denial of your insurance claim (or low ball offer) reviewed by an insurance lawyer. Call our office and tell us how they treated you.
If you are a State Farm insured, your insurance contract with State Farm usually has a "suit limitations" clause that limits the time to bring a claim against them...so please act promptly.
If you are bringing a claim against a State Farm insured, you also have a statute of limitations. This means you must bring your claims within the appropriate statutory period or otherwise lose your right to acquire compensation. Time is of the essence. Act now!
State Farm has lawyered up, now it is your turn.