Accidents happen all the time. Insurance is marketed as a safety net, but many drivers are surprised to find themselves in the middle of a mess when the time comes to file claims. State Farm has been in business for almost a century and is responsible for over 44 million auto insurance policies. They ranked 44th on the 2013 list of Fortune 500 companies. Considering this level of success, would you expect their company practices to represent clients or shareholders?
Dealing with Car Accidents
If you are involved in an accident, whether you’re the victim or the responsible party, insurance claims can get complicated. Even when a well-known firm like State Farm is involved, would you know the steps involved when filing a claim?
Would the company attempt to take advantage of you? Read on to learn the step-by-step process of dealing with State Farm after an accident, and consider the value in good preparation.
Immediately After an Accident
Check that everyone is safe and nobody requires immediate medical attention. If any parties appear to be seriously hurt – if they are bleeding, may have broken bones, or are unconscious – call 911 immediately. If either party came prepared with cones, flares, or other signaling equipment, set up a warning to alert traffic to avoid the collision.
Call the police, then begin collecting information. Be sure to collect insurance information, along with any pertinent agent names, phone numbers and email addresses. The police will ask questions, usually one on one, and write up a summary report based on witness testimony. Later in the process, State Farm will use this report when determining fault and payout for the claim.
Contact the State Farm Claims Department
The authorities will let everyone go after checking for themselves that nobody is hurt and the situation is under control. It’s important to contact State Farm immediately. If you hold the State Farm policy, the claim can be filed online using your account information. Otherwise, contact the policy holder’s insurance agent, or call at 1-800-STATE-FARM (782 8332). Their telephone service is available 24/7.
Legal counsel can be important at this stage. The information provided to insurance companies will be screened for accuracy against the police report, but will also be scrutinized for possible reasons to avoid filing the claim. Contact a lawyer for advice on the best method for moving forward. Contacting a State Farm agent by email ensures a paper trail and minimizes the chances of giving unwanted or personally damaging information.
What You Need to Know
Insurance companies are trying to meet their ROI and often skimp on payouts to increase profit margins. There is a reason insurance agents more closely resemble salesmen than they do customer service representatives. The process for filing claims can become stressful and confusing without warning. If your family is living under financially strained circumstances, it can be especially challenging to deal with the insurance providers alone.
Even conscientious drivers with spotless records can find themselves in trouble. It’s important to understand the process and the best method for moving forward after an accident. Usually, this means contacting an attorney for help.
Attorney Brian White
Brian White has been a car accident lawyer for years. Based in Houston, Texas, he provides legal counsel to anyone who needs help. All initial consultations with Brian are free of charge, and his firm won’t charge unless he wins your case.
Do not hesitate to contact Brian for any help or questions you may have. With his extensive experience, he can also assist with claims that involve medical doctors and other legal problems.