Lino H. Ochoa | July 30, 2024 | Car Accidents
Those hurt in a car accident will have to deal with medical bills, lost wages, and other significant costs as they try to recover. Dealing with an insurance claim is often another headache for the accident victim to confront. When you must file a claim with State Farm, your top concern will be how long it takes State Farm to settle a claim.
State Farm can take several weeks or months to offer fair settlements after an accident. This is because several different factors can impact the claims process. If you believe State Farm wrongfully delayed processing your claim or denied your claim improperly, you could have the chance to take legal action. Contact an experienced accident attorney to hold State Farm accountable when they owe you a financial obligation.
How Does State Farm Handle Claims in Texas?
Different factors will affect how a State Farm claim is processed in McAllen, Texas. The claims process can be somewhat short after a simple accident without any notable issues. In other cases, however, where facts are disputed, and injuries are severe, State Farm will take longer to process your claim.
Factors impacting a State Farm insurance claim might include:
- The accident’s cause
- Whether the claimant was partially liable
- The evidence supporting the claim
- The policy’s coverage scope and limits
- Medical treatment and costs
- Whether the accident victim reached maximum medical improvement or if future medical treatment and therapy will be required.
An experienced personal injury attorney can assess your claim and develop an effective strategy.
A policyholder can also help speed up the insurance claim process by taking action of their own, in certain situations.
Contact State Farm Directly
Call the State Farm claims phone number when you can to report or follow up on your claim. When you do speak with an insurance adjuster, be careful about what you say. The adjuster will need to get information from you but will also seek out reasons to minimize or even deny your claim. If you report false information or contradict yourself, this can give State Farm good reason to downplay your insurance claim.
Since these calls are usually recorded, it helps to carefully review your information beforehand — ideally with an experienced accident lawyer by your side.
Cooperate With State Farm
State Farm will look for your help in completing the claim. The information you give, and how quickly you give it, will directly affect your potential settlement. If an insurance adjuster asks you to release your medical records to them, it is best to consult an attorney to determine if you should do so – and what records you should turn over to support your claim.
Stay Organized
Keep a detailed record of your interactions with State Farm, along with the information you’ve provided. Your own records – or those maintained by your lawyer – will be useful if your claim gets denied later. If you must take legal action based on bad faith by State Farm, your personal file will help contradict their claims. Your personal injury lawyer will be able to use your records to build your claim and negotiate directly with State Farm to collect what you deserve.
A McAllen Car Accident Lawyer At The Law Office of Lino H. Ochoa Can Help You Negotiate With State Farm
If you or a loved one were hurt in an accident in McAllen, TX, you could be faced with stressful situations on the road to recovery. Negotiating a State Farm insurance claim on your own can make your recovery seem overwhelming. An experienced McAllen personal injury lawyer can help take on State Farm and fight for the insurance settlement you deserve.
For more information, contact the McAllen, TX Car Accident law firm of The Law Office of Lino H. Ochoa to schedule a free initial consultation.
We serve Hidalgo County and its surrounding areas:
The Law Office of Lino H. Ochoa
6316 N 10th St Building D, Suite 102
McAllen, Texas, 78504
(956) 815-0055
Hours: Monday to Friday,
from 9 am – 5 pm