You probably don’t set out on your drives around Kentucky looking to become an expert in different car insurance companies. But if you are forced into a crash by a careless driver, you’ll likely have a lot of encounters with whatever insurance provider they happen to have. You’ll soon know how they operate.
Insurance companies like State Farm and Geico are all different but they are all the same in many respects. If you are hurt and need to rely on State Farm to cover medical costs and help you make up lost wages at work, you could find out just how little they care about victims. You weren’t to blame for your crash, but when dealing with a State Farm agent you might feel like you were the one who made a mistake on the road.
Difficulties with State Farm Insurance After a Louisville Accident
The at-fault driver you’ve been unfortunate enough to meet may have State Farm backing them. Many drivers do because they are the biggest car insurance provider in the nation. You can tell by all the money they dump into those funny ads with NFL stars and the unforgettable “Jake from State Farm.”
Sometimes bigger isn’t always better for victims though. The insurance industry has started to depend on software that evaluates how much an accident claim is worth. As you can imagine, it’s not especially fair in the way it assesses injury victims and their needs. They also employ teams of phone representatives who work off a script that’s designed to funnel you into a minimal compensation settlement.
State Farm can use many other tactics to make sure they don’t have to pay you what’s fair for the physical and financial hardships you’ve had to endure.
These are a couple of the most common strategies they like to use when they know you don’t have an attorney watching out for you:
- Lowball offers: Insurance companies need you desperate so that you’ll jump at the first unfair offer they throw at you. They can prep you for this pitch by delaying the processing of your case and putting off making you an offer. You might have a stack of hospital bills on the table while paychecks from your job are missing because your injury is keeping you from work. A lawyer fighting for your rights can make sure State Farm doesn’t get away with such bad faith practices.
- Denying a claim: Insurance agents like to test your resolve when they think you don’t have legal representation. They can deny your claim even when they know their driver is to blame for your injuries. They do this to see if you’ll throw up your hands and withdraw your claim. What they don’t want is for you to put a lawyer on your team and be ready to take them to court in front of a judge and jury. Mounting a legal defense costs them too much money. They’ll usually decide to quickly offer a reasonable settlement.
If you’d like more information on how other insurance companies in Kentucky operate click here.
Building a Strong Case to Take to State Farm
To bring a quick end to any trouble State Farm gives you, it’s important to make sure you have evidence to back you up. An attorney can help you gather important elements for your case, but your first task will be on the scene in the aftermath of your collision.
If you’re well enough, you should immediately start gathering these important details:
- Call 911. Tell Police about what happened and tell paramedics where it hurts. Their reports will be vital evidence later.
- Fill your phone with pictures of the scene, the damage on vehicles, license plates, and any visible injuries. Note any surveillance cameras on nearby homes and businesses that might have recorded your accident. That footage will make for hard evidence when State Farm questions your account of what happened.
- Swap information with the driver. Get driver’s license information and those all-important insurance card details and policy number. You can take photos of these documents too. Don’t make statements about your health or what happened to the other driver. State Farm can use these statements against you later to weaken your claim.
- Talk to witnesses. Find out what they saw and get contact info. See if anyone might have had a dashcam rolling in their cars at the time of the collision.
- Get yourself checked out by a doctor in the days after an accident. You can have new injuries appear that can be much worse than the original injuries you noticed at the scene of the accident.
Contact a Louisville Car Accident Lawyer
Never face off against a giant insurance company like State Farm by yourself. They have agents trained to confuse accident victims who don’t have a legal representative to help explain what’s being done to them. Your injury is worth more than they’ll admit and your final tally on hospital stays, surgeries, and therapy will likely be much more than what their lowball offer will cover.
Talk to a Louisville Car Accident Attorney you can trust to be on your side and fight for your fair compensation no matter what insurance company is involved. The attorneys at Kaufman & Stigger, PLLC, have that knowledge and a combined 100 years’ experience in helping clients get the compensation they’ll need to make a full recovery. To discuss your case, contact Kaufman & Stigger, PLLC today, by clicking here to contact them online.