Being involved in a car accident is stressful enough on its own. However, it can become even more so when the at-fault driver is insured by a large company like State Farm. Unfortunately, the truth of the claims process is that the insurance provider wants to limit the value of your claim as much as possible, not pay you what you’re owed under the law.
Learning about how State Farm accident claims work in Tennessee can help you avoid costly mistakes and protect your right to full compensation after a collision. Continue reading for the information you need to know regarding insurance claims and car crash lawsuits in Nashville, TN.
How State Farm Investigates Accident Claims
Once you report a crash, a State Farm insurance adjuster will typically open an investigation. This entails taking steps like reviewing the available evidence and speaking with the drivers involved. They may also request recorded statements and additional medical records.
During this process, the adjuster will usually focus on several key issues, such as:
- Who caused the accident under Tennessee law
- How severe your injuries actually are
- Whether your medical treatment appears reasonable
- If any pre-existing conditions could be involved
Each of these points can influence the value of your car accident claim. It can be important to hire an attorney early on so that they can take over the communications and settlement negotiations on your behalf.
Common Tactics That Insurance Companies Use
Like most large insurers, State Farm handles thousands of claims each year. As a result, their adjusters are trained to look for ways to minimize their liability when possible. This does not necessarily mean they are acting in bad faith, but it does mean you should proceed carefully.
Some common challenges accident victims face include:
- Disputes over who was at fault
- Requests for extensive documentation before evaluating the claim
- Arguments that your injuries are less serious than reported
- Early settlement offers that do not reflect all of your losses
These tactics can place pressure on you to resolve the claim quickly, often before you fully understand the full extent of your damages.
Modified Comparative Fault in Tennessee
Another key factor in State Farm accident claims is Tennessee’s modified comparative fault law. Under this framework, you can still recover compensation as long as you are less than 50% responsible for the crash. However, your recovery will be reduced by your percentage of fault.
For example, if you are found 25% at fault, your total compensation would be reduced by that same percentage. If your share of fault reaches 50% or more, you may be barred from recovering damages altogether.
An experienced attorney can respond to any allegations of contributory fault on your behalf, working to help you maintain the total value of your claim.
Schedule a Free Consultation With an Attorney at Woodard Injury Law
Knowing how State Farm approaches accident claims in Tennessee can help you make informed decisions at every stage of the process. If you need legal help or have any questions, contact Woodard Injury Law for a free consultation today at (615) 880-6126. We can help you file a claim and work to ensure you are fully compensated by the responsible party.