State Farm Auto Insurance Claims in Charlotte, NC

State Farm Auto Insurance Claims in Charlotte

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, you may hit some roadblocks. State Farm Insurance is one of the largest insurance companies in the world, with over 60 million customers. They also have a reputation for being difficult to deal with when dealing with claims. 

Some people even go so far as to say that it’s nearly impossible to get them to pay up on an auto insurance 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?

Most insurance companies, including State Farm, do not have a deadline to file an auto accident claim. However, we recommend injured victims file an initial report immediately after the accident. Filing a claim with the insurer within 24 to 48 hours of the accident ensures that the evidence related to the accident remains fresh. The longer you wait, the likelier you will get an outright denial of your claim. 

You have the option to start your State Farm claims process while you’re at the accident scene if it is safe to do so. Many accident victims find it stressful to deal with the insurance company immediately, but the option is open for those who want to start the process early. Gather the initial report as best as possible should you hire a car accident lawyer later. 

While there may not be a strict deadline to file with the insurance company, North Carolina requires accident victims to file a claim within three years of the accident. 

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. However, while the process is fairly straightforward and can be completed online or over the phone with a State Farm agent, you may face issues after filing your claim. For example, you may need to provide additional information or documentation to State Farm for the claim to be approved. You could also be asked for proof that you were not at fault for the accident, which can be difficult if evidence has been damaged or destroyed following an accident. 

Filing a claim can also be overwhelming, especially if you have other issues. For example, you may need to get your car repaired or replaced as quickly as possible to get back on the road and continue your daily life. You may also want to hire an attorney to help you with any legal issues following the accident.

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 goal in mind when they evaluate your claim: to minimize it. 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 statement or accept a settlement offer. Insurance adjusters are trained to find ways to prove that you weren’t injured as badly as you say. They might try to use your own words against you when they do this. 

For example, if an insurance adjuster asks how much money you want for your claim, their job is to get the lowest possible amount they can offer. If you say something like, “I just want enough money so that I don’t have any debt from my accident,” this may be used against you later in negotiations.

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 these people are trained professionals who know exactly how to get what they want from you. If you believe your claim is worth more than an insurance company’s offer, it is in your best interest to hire a lawyer before accepting any settlement.

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 go through the hassle of hiring an attorney. However, this doesn’t mean it will be in your best interest if you do so. Insurance companies are in the business of making money, not paying out claims. They may be willing to pay you far less than what your claim is worth if they think they can get away with it. This can leave you with little or no funds for medical bills, lost wages, and other expenses associated with an accident.

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, the last thing you want to do is deal with insurance companies. They are trying to save money and may try to take advantage of you by offering less than what your claim is worth. Instead of accepting whatever offer they give you, contact our offices today for a free consultation about your case. Our experienced car accident attorneys in Charlotte 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 their tactics. We will work hard to ensure that your case is dealt with properly and that you get the best possible outcome.

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