When you are the victim of an auto accident, you may be left with injuries and you might be wondering what to do next. One of the first things you need to do is take steps to recover compensation for your medical costs, vehicle repair, and more. In Ohio, the negligent party is responsible for the damages of the victims of an automobile crash. If you or the other party has State Farm insurance, you will need to file a claim. Lawyers for State Farm claims will assist you in getting the money you deserve after a serious car accident in Ohio.
About State Farm Insurance Claims
State Farm is one of the most popular insurance providers in the United States, with about 85 million policies in place. State Farm handles about 22,000 fire and auto claims a day, so they are extremely busy. Since they process so many claims, you can be sure that they likely try to resolve them with as little payout as possible. It is helpful to understand how to prepare for your claim and how to talk to representatives in order to obtain the money you need to cover your damages.
What to Do After a Car Accident in Ohio
Following a serious car crash, you are probably focused on your recovery. Although you are facing medical issues, it is imperative to begin the steps necessary to obtain compensation from the negligent party. Medical expenses can be steep and you do not want to have to pay out of pocket for costs that should be covered by the other driver.
Call the police – The insurance company will require a police report as part of the claims process. The police will investigate the accident and gather useful information. The report will be helpful in determining the cause and the negligent party,
Gather information at the scene – Get the other driver’s information including their name, phone number, and insurance data. Take photos if it is safe to do so. Get info from anyone who witnessed the accident. Note the exact day, time, and location.
Visit the doctor – If your injuries are serious, immediately go to the emergency room for treatment. Many people wait to go to the doctor, but this can be a mistake. When you wait to get medical care the insurance company might think that your injuries are not serious or that you were not hurt in the accident.
Contact the insurance company – Report the accident to the insurance company as soon as possible. Although State Farm does not have a specific requirement, it is always best to let them know of the accident right away.
Tips for Talking to the State Farm Claims Adjuster
It is helpful to know how to talk to a State Farm claims adjuster in order to ensure a good outcome. State Farm will assign an adjuster as soon as you file a claim. The adjuster will contact you to discuss the details of the accident. It is important to know that State Farm records your conversation for future reference. Be careful when you describe the details of the accident. Do not provide any information other than what the adjuster asks.
Do not offer conclusions because you are not an expert in accidents. Never say that something was your fault, especially if you do not know exactly what happened. If you are not sure of an answer, do not guess. Instead, simply say you do not know. You do not want to say anything that could limit your recovery.
Filing a Claim With State Farm
You will need to call State Farm to file a claim. There are several ways to contact State Farm. You can use the app, contact State Farm online, or call them 24/7 at 800-SF-CLAIM (800-732-5246). The adjuster will gather information from you, so you will need to provide them with things such as your medical bills and more. Many times, the insurance company may offer you a settlement. Unfortunately, the amount of money they offer may not be enough to cover your damages. It is often best to seek guidance from a lawyer for State Farm claims.
What to Do if State Farm Denies Your Claim
Submitting a claim is just the first step in the process of getting paid for your damages. Unfortunately, insurance companies deny claims all too often. They may deny your claim for any number of reasons. They may say the claim is not valid because the insured party was not negligent or they might deny a claim stating that your injuries were not caused by the accident. It is then up to you to take some action to resolve the issues. If State Farm denied your claim, you do not need to accept this answer. Lawyers for State Farm claims can help you resolve the issues and work to get you the money you are owed for your injuries.
The insurance claim process can be challenging. You can get the help you need from Kruger & Hodges. We have a team of attorneys who have experience working with insurance companies to get our clients the compensation they deserve. Contact Kruger & Hodges online or by phone for a free initial consultation.