Wondering how to deal with State Farm insurance after a car accident in Huntsville? You are not alone. Many people in your situation feel stuck after the first phone call or lowball offer from a State Farm adjuster.
You might be wondering what to say, what to sign, or whether the adjuster has your best interests in mind. The good news is that you do not have to guess. An experienced car accident lawyer from Morris, King & Hodge, P.C., can step in, handle the adjuster, and push back if State Farm tries to pay less than what you deserve.
We have spent decades helping crash victims across North Alabama deal with insurance companies that do not play fair. Let us review your case and help you take your next steps.
Contact us today for a free consultation. We are ready to listen, explain your options, and take action.
How State Farm Gets Involved After a Car Accident in Huntsville, AL
State Farm gets involved in car accident claims if one of its policyholders was in the crash.
If the other driver caused the wreck and carries State Farm liability coverage, an adjuster might call you within days to talk about what happened. They will ask about the crash, your injuries, and the treatment you have received. If you have State Farm coverage yourself, the company may open a claim under your policy.
Either way, State Farm will start collecting information fast, often before you know how serious your injuries are. They will use any details they get in the early days of the case to limit what they pay you later.
You might be contacted by phone, mail, or email. The adjuster might act helpful and concerned, but remember who they work for. Their goal will be to close the claim as quickly and cheaply as possible.
What to Do Before You Talk to a State Farm Adjuster
Do not talk to a State Farm adjuster before you get legal advice. The adjuster might seem polite, friendly, and helpful, but your responses to their questions could damage your claim. They know how to get you talking and how to use your answers to pay less. If you admit fault or say you feel “okay,” they will take note.
You do not have to give a recorded statement, and you do not have to explain your injuries. Let our experienced personal injury lawyers handle that for you. Our attorneys can speak for you, protect your rights, and make sure you do not say anything that could hurt your case.
Morris, King & Hodge, P.C., has handled many claims involving State Farm. We know what they look for and how they operate. If a State Farm adjuster has contacted you, call us before you speak to them. We will take it from there and make sure you stay in control of the process.
Common State Farm Tactics in Alabama Injury Claims
State Farm operates like any other insurance corporation, which means its insurance adjusters and other representatives will look for ways to save money from day one. If you do not know what to expect, you could end up with far less than you deserve.
Here are some examples of common tactics many insurance companies, like State Farm, might use during the claims process:
- Offering a quick, low settlement before you know the full extent of your injuries
- Pressuring you to give a recorded statement early on
- Using your own words against you to dispute the claim
- Blaming you for part or all of the crash
- Delaying responses or dragging out the process
- Downplaying your injuries or treatment needs
- Claiming your injuries came from something else, not the crash
What You Could Recover in a State Farm Car Accident Claim
If you got hurt in a car crash and someone else caused it, you can seek compensation through the at-fault driver’s State Farm insurance policy. You could be entitled to compensation for:
- Medical bills
- Future medical costs
- Lost wages
- Future care costs
- Pain and suffering
- Reduced quality of life
The amount depends on your injuries, treatment, and how the crash affects your daily life. State Farm most likely will not offer a fair amount up front. They will often try to settle for less than your case is worth. Our lawyers know how to calculate your actual losses and push back with strong evidence.
What to Do Right Now If State Farm Has Already Called You
If State Farm already reached out, do not panic, but also do not answer their questions either. You do not have to speak with the State Farm insurance adjuster, and you do not have to give a statement. Take down their name and contact information, then contact Morris, King & Hodge, P.C.
Our team deals with insurance companies every day. We know what to say, what not to say, and how to stop the back-and-forth before it gets out of hand. The sooner you contact us, the better we can protect your claim from the start.
If State Farm has already sent you paperwork, do not sign it. If they made an offer, do not accept it. Call our office, and let us help you review everything first. We will make sure you know your rights, and we can step in to handle all communication from that point forward.
Why Choose Morris, King & Hodge, P.C., for a State Farm Car Accident Claim in Huntsville?
People come to Morris, King & Hodge, P.C., looking for answers, but they stay because we earn their trust. As one of our former clients put it in a testimonial:
“David Hodge and the entire team here are absolutely amazing! They stay with you every step of the way and do everything they can to help.” —B. Williams
If you are dealing with low settlement offers, delays, or confusing paperwork during a State Farm injury claim in Huntsville, the team at Morris, King & Hodge, P.C., can help. We have gone up against State Farm before, and we understand how to push back when they try to downplay serious injuries or shift blame.
Our law firm has deep roots in Huntsville, and we have spent decades helping car accident victims across North Alabama recover after serious crashes. When you come to us, you will work directly with a lawyer who listens, explains what is happening, and fights hard for full compensation. If State Farm stalls or refuses to pay what is fair, we will be ready to take your case as far as it needs to go.
Get in Touch with Our State Farm Car Accident Claims Lawyers
Insurance companies move fast after a serious car accident. You should, too. If State Farm is involved in your insurance claim and you are not sure what to do next, talk with an experienced personal injury attorney who knows how to deal with them and will not back down. Contact our car accident attorneys in Huntsville now for your free case review.
