Dealing with a car accident can be overwhelming, and the last thing you need is an insurance company denying you the compensation that can help you cover your property damage, medical costs, and lost wages.
State Farm is one of the most prominent insurance companies in the United States for car accidents, handling hundreds of thousands of claims every year. Unfortunately, not all claims are approved. This denial can frustrate victims as they wonder how they’ll pay their bills.
You can take steps to appeal your claim, or you may even have grounds for legal action. Let’s take a look at the insurance claims process, what you can do if your claim is denied by State Farm, and how a Phoenix car accident lawyer with Zanes Law may be able to help.
You Have Options After State Farm denies an Accident Claim
If your accident claim was denied by State Farm, don’t give up hope just yet. You have options available to you, such as appealing the decision or filing a lawsuit against the company.
Depending on the insurer’s reasons for denying your claim and your particular circumstances, there may be potential avenues that can still be explored to get compensation for damages related to the incident.
Here’s what you can do if your claim has been denied:
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Obtain the Denial Letter and Review it Carefully
The denial letter should explain exactly why your claim was denied and provide the wording of the insurance company’s position on the matter. It is important that you read and review this letter carefully so that you can understand why your claim is being denied and what you can do next.
Some of the reasons they may deny a claim include:
Failure to file your claim within the allowable time limits
- The policy has lapsed
- Lack of sufficient evidence of liability
- Incomplete or inaccurate information
- Breaking State Farm policy
- Missing documentation like repair invoices, medical bills, etc.
- They dispute that your injuries were solely caused by the crash
If there are any questions or confusion surrounding the denial letter, it may be wise to seek legal counsel for clarification and guidance.
Before taking any action, it’s important to understand the reason for the denial and gather any additional evidence that may support your claim. This could include:
- Witness statements
- Police reports
- Medical records
- Video footage, such as traffic cam or dash cam video
- Photos of the accident scene, your car, or your injuries
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Appeal the Decision
If you decide to appeal the denial, be sure to follow the proper procedures outlined by State Farm. Any mistakes can cost you extra time and effort, putting your claim at even further risk. You may also want to consider hiring an attorney who has experience with accident insurance claims to help you with the process.
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Negotiating with a State Farm representative after an initial insurance claim denial can be a daunting task, but it is often crucial to recovering fair and full compensation. You may choose to do this on your own, or you can have a lawyer handle the process for you.
Fortunately, car accident lawyers understand the strategies that work when dealing with insurance agents.
Take Legal Action
If appealing the decision doesn’t work, you may want to consider filing a lawsuit against State Farm. This is a more serious and time-consuming option, but it can be worth it if you believe you have a strong case.
To file a lawsuit, you’ll need to hire an attorney and gather all the necessary evidence to support your claim. It’s important to remember that the burden of proof will be on you, so make sure you have a strong case before moving forward.
No matter which option you choose, it’s important to stay calm and remain persistent in your efforts to get the compensation you deserve. Don’t be afraid to seek legal counsel. Most lawyers will offer a free consultation, and our firm works on contingency, so you will not pay out of pocket for our services.
Contact Us Today to Learn How We Can Help You With a State Farm Accident Claim Denial
Having your car accident claim denied is an extremely disheartening experience. Not only have you been through the physical and emotional trauma of a car accident, but now you are being denied compensation for it.
It’s important to remember, however, that a flat-out denial of your claim by State Farm insurance company isn’t always the final outcome.
An experienced personal injury attorney with Zanes Law can help negotiate with State Farm for a favorable settlement agreement or take legal action on your behalf. Our firm accepts cases on a contingency fee basis, so there is no upfront cost or monthly payments to add to your financial stress. Contact us today to learn more.