Car accidents are, unfortunately, a common occurrence in Rock Hill. According to data collected by Insurify, Rock Hill is the fifth worst city in America for car accidents. Nearly 2 out of every ten drivers in Rock Hill have caused a collision. For some accident victims, the result may be extensive damage. They may suffer physical injuries as a result as well as pain and suffering due to those injuries. There may also be medical bills and lost wages from missing work.
Typically, car accident victims can collect compensation from the at fault insurance provider and possibly their own insurance company, depending on the coverages purchased. Sadly, though, large insurance companies like State Farm often do not offer the maximum amount of compensation victims are due. In some instances, even valid claims can be denied.
You have options if State Farm doesn’t offer a fair settlement or denies your claim. At The Law Offices of Jason E. Taylor, we can help you explore your legal options. Contact an experienced lawyer at our firm who is well-versed in dealing with State Farm insurance claims handlers.
How to Maximize Your Rock Hill State Farm Claim
The best way to maximize your insurance claim is to hire a car accident attorney to ensure you have everything you need to file a successful claim. Insurance companies require documents like medical records, hospital bills, and police reports when filing a claim.
Having a lawyer on your side can help you save time and reduce the chances of denial. When you get into an accident with a negligent driver, you should:
- If possible, turn off the engine, shift to park, and turn on your hazard lights
- Call the local authorities. When the police come to the accident scene, they will file a police report. The police report includes facts about the accident and the officer’s opinion. Insurance companies use this report as one of the tools to gather details and assess fault.
- Take pictures of the accident scene, the vehicles involved, and your injuries, if you have any.
- If it is safe to do so, exchange contact information with the other driver. This may include their driver’s license, insurance company and policy number.
- Contact a lawyer at The Law Offices of Jason E. Taylor.
What to Do If State Farms Offers a Lowball Settlement
State Farm is one of the biggest insurance companies in the United States. It is notorious for making low settlement offers early on in the process. Insurers like State Farm generally try to settle cases as quickly as possible and for as little as possible. This typically occurs when accident victims are not represented by an attorney.
Because you are in a high-stress situation, dealing with your injuries and legal issues, you may be tempted to accept the first offer that State Farm makes. However, this is a mistake in most cases, as the offer may not even cover your losses, or if you even know what your losses will be at that point. This is often true when you’ve suffered a serious injury and may not recover fully for months.
Always remember that offers are just that – offers. Even if the adjuster tells you that it’s the best offer or that they accept liability, if State Farm has made you a low settlement offer, you can and should reject it.
Your best option is always to hire a lawyer. Under the law, an attorney is duty-bound to represent your best interests, while the insurance adjuster’s duty is to the insurance company. At The Law Offices of Jason E. Taylor, we will help you negotiate a fair settlement, and if State Farm refuses to settle, we will be ready to take your case all the way through to a jury trial, if necessary.
We are experienced personal injury attorneys who can help you recover financial compensation for your injuries. You may be entitled to monetary damages that cover the costs of medical treatment, lost wages, pain and suffering, and other losses caused by the accident.
If you have been injured in a motor vehicle accident in Rock Hill, Charlotte, or surrounding areas such as Lancaster County, York County, or Chester County, we encourage you to contact our firm today.