Where Do I Go to Sue State Farm?

In the aftermath of a motor vehicle accident, there is a good chance you will have to deal with State Farm. If you are insured by the company, you will need to file a claim for damages. 

If the crash was the fault of another driver, they might also be covered through State Farm. The moments after a car accident are stressful. For this reason, it is critical to take the appropriate steps to ensure you receive a financial recovery. After a car crash, you should:

Prioritize Safety

The safety of yourself and the others involved should be your immediate priority. Check yourself and others for possible injuries. 

If you can, move the crashed vehicles out of the roadway. This will allow other traffic to pass safely and prevent the possibility of additional collisions.

Contact the Authorities

If any passengers or drivers require medical attention, call an ambulance. Also, call a 911 operator to request medical assistance and the presence of a law enforcement officer. 

Obtaining a copy of the police accident report for your collision is important. This document will contain important information and help you to file a successful claim with State Farm. 

Remain at the scene of the accident until the authorities arrive. In many locations, it is a crime to leave the scene without contacting law enforcement.

Gather Evidence

If you are not severely injured, make sure to collect as much evidence as possible in the moments after an accident. As time goes on, it will become more challenging to secure the important information you will need for your claim. 

For instance, you should try to collect the following information related to your motor vehicle collision:

• Drivers’ and passengers’ names and contact information
• Relevant insurance information
• Photos and videos of the resulting injuries
• Photos and videos of the vehicular damage
• Names and contact information from eyewitnesses
• Date, time, and location of the accident
• Weather conditions at the time of the crash
• Name and badge number of the reporting officer 

When collecting information, remain polite and keep your conversation to a minimum. Never admit fault for the accident without speaking to a skilled legal professional at the firm of Morgan and Morgan. 

Even if you believe you are responsible for the collision, you may be wrong. It is always better to allow a car crash attorney to review the facts of your case first.

Contact Your Insurance Provider

It is also important to contact your car insurance provider in the aftermath of a crash. If you are insured through State Farm, inform them of the accident. 

However, you should not allow them to secure a written or recorded statement from you before you speak with an attorney. Simply provide a clear description of the facts of the accident and the resulting damage. 

If the company refuses to provide you with the coverage that you deserve, you may find yourself wondering, “where do I go to sue State Farm?” Providing the insurance company with too much information without the legal guidance of a tort attorney may result in a denied or diminished settlement. Do not let this happen to you.

Speak With an Insurance Claims Lawyer

It is vital to secure the services of a skilled tort attorney when you have been involved in a motor vehicle accident. If State Farm is uncooperative and refuses to provide you with the money they owe, a legal professional can help. 

The primary goal of private insurance providers, like State Farm, is to increase their profits and decrease their losses. This means that they are financially incentivized to pay the least amount possible on every claim that is filed. 

Your State Farm adjuster may attempt to devalue or dismiss certain types of losses that you have experienced. In doing so, they will be required to provide you with less compensation for your claim. 

Fortunately, accident victims do not have to take on large insurance companies alone. The knowledgeable legal team at the firm of Morgan and Morgan has years of experience fighting for the money that claimants are due.

Insurance companies have many tactics and strategies for denying reasonable requests. Adjusters are often trained to secure statements that will decrease the value of car accident claims. 

While there are some reasons for insurance companies to deny claims legitimately, others are unreasonable. Some of the most common reasons for State Farm claim denials include:

Lack of Coverage in Policy

Your State Farm adjuster may argue that your current policy does not cover the claim you filed. For this reason, it is vital to have a legal professional review the terms of your policy agreement when filing a claim. 

Many insurance policies have “exclusions” sections. These describe the types of events and claims that are not covered.  

One of the skilled attorneys at Morgan & Morgan can review your insurance policy thoroughly. If there is any ambiguous or vague language, you may be able to pursue compensation despite these exclusions.

Errors in Application

Your insurance agent may argue that you misrepresented your situation in your application. Certain types of application errors may disqualify your claim. 

For this reason, it is critical to speak with a Morgan & Morgan tort lawyer when you need to pursue compensation from State Farm. Do not let this large insurance company dismiss your claim because of a minor clerical error.

Errors in Claims

In some instances, claimants are required to notify their insurers within a certain timeline after the accident. The time limit may be as short as 24 hours.  

Make sure to review the requirements for filing a claim with your specific policy. State Farm will take every opportunity to avoid paying maximum compensation for your claim.

Fraud

When claimants offer exaggerated or false statements about the damage they suffered, it may qualify as insurance fraud. Denying a fraudulent claim is a legitimate decision for insurance providers.

Committing fraud to recover insurance money can carry both criminal and civil consequences for the perpetrator. 

Bad Faith Denial

Not every wrongful denial is given a clear justification. Sometimes, adjusters simply do not want to provide you with the money that is rightfully yours. 

In these cases, the insurance company representative may use confusing jargon or policy terms. Do not let this happen in your case. 

Contact Morgan & Morgan when you are wondering, “where do I go to sue State Farm?” Our legal team will fight to recover maximum financial repayment in your State Farm claim.

Insurance companies have a duty to treat their policyholders fairly and provide compensation when it is appropriate. When your claim is wrongfully denied or underpaid, you may ask, “Where do I go to sue State Farm?” 

A legal professional at Morgan and Morgan will help you determine whether you have grounds for a valid insurance provider lawsuit. In most locations, insurance companies are prohibited from: 

• Unreasonably delaying investigations of claims
• Conducting an inadequate or shoddy investigation
• Denying payment in a claim with clear liability
• Failing to deny or approve claims within a reasonable period
• Offering no reason or justification for a denial
• Failing to defend claimants in a liability lawsuit when required 

When you have suffered from an improperly denied claim, it is critical to seek legal help. Fortunately, the accomplished tort legal team at Morgan & Morgan knows how to hold large insurers responsible.

State Farm is a large insurance provider with policyholders across the nation. Your ability to sue State Farm will, in part, depend on your state’s laws.  

All states allow for civil “breach of contract” lawsuits. If State Farm has violated the terms of an agreement in your policy, this may be an option for you. 

Some states permit victims to file “bad faith” tort actions. When a policy provider acts in bad faith, they should be accountable for the resulting financial damages. Many states have statutes that directly apply to insurance providers. 

When you consult with a Morgan and Morgan attorney, we will review your state's relevant laws and codes. This will help you understand the types of financial damages that you can hope to secure through a lawsuit.

Our compassionate lawyers know that victims of accidents and injuries rely on insurance coverage to get their lives back on track. You should not be denied the financial compensation needed during difficult times.

At the firm of Morgan & Morgan, we believe that everyone deserves legal representation. This is true regardless of their financial status.

Because of this belief, our attorneys are paid through contingency fees. In other words, you will pay nothing unless we recover financial compensation for you. 

Do not settle for less than the best. Reach out to the caring team at Morgan & Morgan by completing the contact form online. We will arrange a no-cost and no-obligation legal consultation for you. Let us fight to get the money you deserve.