At William Mattar Law Offices, our lawyers handle a State Farm injury bodily injury claims using strategies tailored to your situation. Whether filing for compensation, appealing a denial, or pursuing compensation through other legal options, our car accident lawyers can help you seek fair compensation for your injuries.
Table of contents
- Why Do I Need a Lawyer?
- Is It Hard To FIle an Insurance Claim?
- When Can I File an Injury Claim?
- What Accidents Are Covered By State Farm Injury Claims?
- What Types of Injury Claims Can I File?
- How Do I Know If My Accident Is Covered?
- How Much are My Accident Injuries Worth?
- What Happens if the Settlement Offer Does Not Cover All My Damages?
- How Can A Lawyer Help Me?
- State Farm Injury Claim FAQs
- Get Help With a State Farm Injury Claim From William Mattar Law Offices
Why Do I Need a Lawyer?
Those who don’t have a lawyer to handle an insurance claim may miss out on benefits such as:
- Increased avenues for compensation due to experience in claim processes and procedures, including those employed by State Farm Insurance Company.
- Effective advocacy negotiating the fair amount of your claim by reviewing and examining the case from all angles
- Personalized representation tailored to your specific circumstances and goals helps to ensure a stronger chance for success.
- Knowledge of potential loopholes or tactics insurance companies use to minimize payouts, preventing you from being taken advantage of.
- Help gathering evidence, interviewing witnesses, and building a strong case.
- Guidance through the complex legal process, allowing you to focus on recovering from your injuries.
These benefits extend across all legal services provided by William Mattar Law Offices. From your initial free consultation to the final resolution of your case, our lawyers are committed to providing you with excellent legal representation that supports your recovery.
Is It Hard To FIle an Insurance Claim?
State Farm, like many insurance companies, doesn't make filing a bodily injury claim easy. Many people find it hard to successfully navigate the process due to:
- Disputes over the extent and severity of injuries that result in lower compensation offers.
- Lengthy and intimidating procedures that may discourage injured parties from seeking the compensation they deserve.
- Attempts to shift blame onto the victim, minimizing or denying their claim altogether.
- Delay tactics and lowball settlement offers in hopes of avoiding a lawsuit and saving money.
- Diminished coverage due to perceived admissions of fault, exclusion loopholes, and filing discrepancies.
- Incomplete evidence and lack of supporting documentation that could weaken your claim.
Don't let these obstacles prevent you from pursuing compensation for an accident that was not your fault. Contact the experienced lawyers at William Mattar, P.C. for legal guidance and support for a bodily injury claim, including those filed with State Farm.
When Can I File an Injury Claim?
Many states, including New York, require injured parties to file a claim within 30 days of the accident. If you don’t you may lose out on your right to no-fault benefits.
A lawyer can also assist you in pursuing a bodily injury liability claim for pain and suffering, especially where there is:
- Severe injuries, hospitalization, or incapacitation that prevents you from taking immediate action.
- Lack of information about the extent of your injuries or damages until further medical attention is sought.
- Difficulty in locating or obtaining important evidence, such as witness statements or police reports.
While these reasons make it difficult to meet the specific filing criteria of injury claims, they are not insurmountable when you have the help of an experienced lawyer.
What Accidents Are Covered By State Farm Injury Claims?
The insurer's policies may cover a wide range of accident injuries, including those caused by:
- Car Accidents: These are the most common incidents covered by the insurance giant. These accidents include severe collisions resulting in serious injuries. Coverage is typically available for medical expenses, vehicle repairs, and other associated costs.
- Truck Accidents: Larger vehicles like semi-trucks can lead to more catastrophic injuries due to their size and weight. Injured parties may be able to pursue claims against State Farm policyholders responsible for the accident.
- Motorcycle Accidents: Severe injuries suffered in these collisions may be covered under the insurer’s policies. Compensation available may include medical bills, rehabilitation costs, and property damage.
- Pedestrian Accidents: When a vehicle strikes a person on foot, it can cause life-threatening injuries. The insurance company may cover medical expenses and other damages for pedestrians injured by insured drivers.
- Drunk Driving Accidents: Intoxicated drivers can cause serious damage in an accident. When the drunk driver is insured by State Farm, you may be able to recover compensation for the harm they’ve caused.
- Rideshare Accidents: Companies like Uber and Lyft may have insurance policies with State Farm to cover injuries to passengers and drivers. This may cover significant economic and non-economic damages depending on the accident severity.
- Bicycle Accidents: Automobile collisions with bikes may be covered by the insurance company.
If you have been injured in these and other similar scenarios, it is worth checking if your damages qualify for an injury claim. Our lawyers can help you understand the available insurance coverage and help guide you through seeking compensation.
What Types of Injury Claims Can I File?
You can file several types of injury claims depending on the circumstances of your accident and the type of insurance policy the parties involved hold. These may include:
- Third-party claims: If you were injured by another party whom State Farm insures, you can file a third-party claim to seek compensation for your damages.
- Uninsured/underinsured motorist (UM/UIM) claims: If you have been injured in a car accident caused by an uninsured or underinsured driver, you may be able to file a UM/UIM claim with State Farm for compensation.
- Liability claims: If another person's negligence caused your injuries, you can file a liability claim against their policy with State Farm.
- Bodily injury claims: These are claims made specifically for physical injuries sustained in an accident caused by another party's negligence.
While some policies are mandatory in New York, others are optional. The personal injury lawyers at William Mattar, P.C. can help you understand all available avenues of compensation.
How Do I Know If My Accident Is Covered?
Determining if the insurer covers your accident gets confusing, especially if you are unfamiliar with insurance policies and legal jargon. A lawyer can help you understand these concepts and processes.
- If you hold an insurance policy with State Farm, your accident may be covered under that policy.
- If another party involved in the accident holds a State Farm policy, their coverage may apply to your damages.
- If you were injured by someone who does not have insurance or sufficient coverage, you may still have a valid claim through UM/UIM coverage.
- If your injuries were caused by someone else's negligence and State Farm insures them, their liability coverage may apply to your case.
Our team will thoroughly evaluate the coverage details to determine if a claim may cover your damages. If so, you can trust our firm to provide personalized and effective representation to help you seek compensation for the harm you've suffered.
How Much are My Accident Injuries Worth?
The value of your claim will largely depend on the policy limits. Even then, there is no guarantee that the insurer will willingly pay you the full amount of coverage outlined in your contract without putting up a fight. Primary considerations when valuing your claim include:
- The severity of your injuries and their impact on your daily life.
- The extent of property damage or loss incurred in the accident.
- Any potential long-term effects or complications from your injuries.
- Emotional distress and trauma experienced as a result of the incident.
Based on these factors, your claim could be worth more than the insurance company offers. Our lawyers can speak with medical professionals and other experts to accurately assess the value of your claim, ensuring no stone is left unturned in the pursuit of fair compensation.
What Happens if the Settlement Offer Does Not Cover All My Damages?
Your lawyer may recommend filing a personal injury lawsuit against the responsible party if your damages exceed the offer.
Our lawyers work tirelessly to present strong evidence advocating for your needs in both situations. We aren’t afraid to pursue the fair compensation you deserve, never backing down from bully tactics or uncooperative insurers.
How Can A Lawyer Help Me?
There are multiple ways an attorney can help in your claim, including but not limited to:
- Providing assistance with the initial claims process, ensuring all necessary documentation is submitted, and deadlines are met.
- Negotiating with the insurance company when you receive lowball settlement offers
- Filing a lawsuit on your behalf if the insurance company’s offer is not fair.
You can't always afford to spend time waiting for the results you deserve. Turn to our experienced lawyers to help you handle your claim.
State Farm Injury Claim FAQs
Why is the insurance company denying my injury claim?
There could be multiple reasons for your claim denial. Consult an attorney to understand the specific reason for your denial. They can review your case, identify potential issues, and work to correct discrepancies keeping you from receiving compensation.
Will a pre-existing condition affect my compensation amount?
If you have a pre-existing condition that is worsened by the accident, you may be entitled to compensation. However, it can also be used as a defense by the insurance company to argue for a lower settlement offer. An experienced lawyer can combat this false narrative to help recover the compensation you need.
How long will it take to receive compensation?
The insurance company may offer a settlement quickly, or, it may drag the process out in hopes of minimizing or denying your claim. Having an experienced lawyer can help expedite the process and ensure you receive fair compensation in a timely manner.
How do I know if a settlement offer is fair?
The settlement should reflect the full extent of your damages in accordance with policy terms and conditions. When it does not, your lawyer can help you negotiate with insurance adjusters or seek additional compensation through a lawsuit.
Can I file an additional claim after accepting a settlement from the insurance company?
Usually, once you have accepted a settlement offer you cannot file an additional claim for the same incident. However, your no-fault claim for lost wages or medical expenses can remain open after settlement of the third-party claim.
Get Help With a State Farm Injury Claim From William Mattar Law Offices
Getting into an accident is stressful enough, but dealing with insurance companies and legal proceedings can become too much for anyone to handle alone. Contact William Mattar, P.C. when you need help advocating for the compensation you deserve.
Schedule a free case evaluation online to learn how we can help you overcome the obstacles of your State Farm injury claim.