What you should know about filing an injury claim with State Farm

Like all insurance companies, State Farm will seek to pay you least amount of money for your auto accident. State Farm utilizes a practice known as “Deny, Delay, Defend” when dealing with “low impact” or low value claims. State Farm often vigorously defends even the smallest of claims and postures as if it is willing to go to trial over these “low impact” claims. Initial settlements offered to victims by State Farm are often many times smaller than what State Farm will ultimately pay out at or near the time of a trial.

State Farm insurance claims often are delegated to teams of adjusters. State Farm teams 21 and 22 handle the auto accident claims in the northern Virginia, Maryland, and Washington, D.C. area. If you have your claim relegated to either State Farm team 21 or 22, this can be a signal that your claim has been given a low priority and unlikely to produce a fair settlement offer.

Adjusters at State Farm team 21 and 22 are typically given little room to negotiate settlements. If your claim is assigned to either State Farm team 21 or 22, your settlement offer may be less than fair value. By filing a lawsuit, your claim may be transferred from a low priority adjustment team to a single claims adjuster who is more likely to increase your settlement offer.

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How does State Farm calculate injury claims?

Adjusters at State Farm use a system called TEACH to assist in calculating the payout they are willing to offer auto accident victims hurt by the drivers State Farm insures. TEACH is well known to calculate settlement offers well below fair market value. Because State Farm’s computer system may undervalue claims, it may be necessary to file a lawsuit to get the fair value of damages. By retaining legal counsel, you can take steps to ensure you are not left paying outrageous medical bills for an injury someone else caused.

State Farm’s adjusters calculate claims based on a number of factors, including:

  • the severity of a victim’s injuries,
  • medical bills,
  • how much medical treatment should be necessary to treat the injuries, and
  • what the medical treatment should be

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