If you’ve been injured in an accident in Charlotte due to someone else’s negligence, you’ll likely have to file an auto insurance claim with their insurance company. If the insurance company is State Farm, then you may experience the same difficulty that we hear about every day. State Farm Insurance is one of the largest insurance companies in the world, with over 60 million customers and their adjusters can sometimes be difficult to deal with when it comes to resolving your claim.
If you’ve been injured in an accident and are dealing with State Farm Insurance, contact The Law Offices of Jason E. Taylor today to find out how we can help you.
Is There a State Farm Auto Accident Claim Deadline?
Like most claims, each state may impose time limitations on when you must file a claim. You may have heard it referred to as the statute of limitations. If you have been injured by another party, then you must settle your claim or file a lawsuit within the time allowed by law. This deadline refers to how long you have before the statute of limitations bars you from bringing a claim.
The next question is whether insurance companies can require that you notify them of a potential claim at a time earlier than the statute of limitations. When dealing with your own insurance company, there may be requirements in the policy language that requires you to notify your own insurance company within a certain amount of time. Accordingly, the best practice would be to notify your insurance company right away so that you do not run afoul of this policy language. If you have an attorney, they will notify your insurance company of a potential claim.
If you are dealing with another person’s insurance policy where you are not their insured or covered person, then you may not have specific time requirements to notify that carrier of your potential claim other than the statute of limitations that applies in your case. However, if you have been injured or sustained damage that you want an insurance company to be responsible for, then it would make sense to notify them as soon as possible. If you have an attorney, they will notify the carrier of your claim.
The advantage of notifying the insurance company right away is that they will assign an adjuster to your claim and address any liability decisions early on so that there are no surprises later on. If they have a witness that is against you, then you will want to know that right away so that you and your lawyer can address those issues at the outset. Filing a claim with the insurer within 24 to 48 hours of the accident ensures that the evidence related to the accident remains fresh.
When in doubt, talk to an attorney and they will be able to assist you in notifying the insurance company and preserving any evidence that supports your claim.
Can I File a State Farm Auto Claim in Charlotte Without a Lawyer?
Yes, you can file a State Farm claim without the help of an attorney. Insurance companies will have a phone number listed online to reach their claims department. You can call the State Farm claims department and report the claim. They may ask to take a recorded statement from you and will ask questions about how the accident occurred and about your injuries.
If you do proceed without a lawyer, you should be careful about what you say as you may not have all of the necessary information. For instance, you may not have the accident report available to you to see what the officer wrote down. It is also not uncommon for injuries to feel more obvious and significant in the days following a wreck. That is, you may simply feel a little stiff and sore when you first report the claim, but later develop more significant pain and discomfort. Insurance companies may use that first report to try to lock you into a minor injury as opposed to the full injury that later exposes itself in the days following the impact.
Why You Should Hire a Charlotte Car Accident Lawyer for Your State Farm Insurance Claim
If you’ve been injured in a car accident and need to file a claim with State Farm, hiring a personal injury attorney can help. An experienced lawyer can guide you through the insurance claims process, keeping all your options open during negotiations to receive the compensation you deserve.
Insurance Adjusters Have One Goal in Mind
Insurance adjusters have one main goal in mind when they evaluate your claim: to minimize the amount they pay out. This means they’re trying to pay you as little money as possible for your injuries and lost wages.
They want to avoid paying out any more money than necessary, so they might try to force you into taking a settlement offer that doesn’t correctly compensate you for your injuries. This is why it’s so important to have a lawyer on your side who will fight for you and your claim.
They May Try to Use Your Words Against You
It is always best to wait for a lawyer before you give a recorded statement or accept a settlement offer. Insurance adjusters are trained to find ways to minimize your injuries. They will often try to use your own words against you when they do this.
They may ask you how much money you want before you even know the extent of your injuries and you could impact their later offer by blurting out a number that does not account for all of the damages that you are entitled to recover.
Insurance adjusters can be very persuasive, and it’s not uncommon for you to feel like you have no choice but to accept a low settlement offer. However, it’s important to remember that adjusters are trained professionals who know exactly how to get what they want from you. Having an attorney can avoid many pitfalls that are along the way from the beginning of a claim to the end.
They May Try to Talk You Out of Legal Representation
Insurance adjusters know they have a lot of power in the negotiation process. They may try to convince you that it’s better to accept their offer than to involve an attorney. However, this doesn’t mean it will be in your best interest to do so. Insurance companies are in the business of making money. They may be willing to pay you far less than what your claim is worth if they think they can get away with it. It is your attorney’s job to make sure they do not get away with it.
Contact a Charlotte Car Accident Attorney at The Law Offices of Jason E. Taylor Today For a Free Consultation
If you’ve been injured in a car accident, it doesn’t cost you anything to talk to a Charlotte car accident attorney for a free consultation. Our attorneys are here to fight for your rights and help you get the compensation you deserve.
With over 25 years of experience, we know how to handle insurance companies and we are aware of the tactics they use against you. We will work hard to ensure that you are treated fairly and compensated fully for your injuries and damages.