How Long Does It Take State Farm to Settle Claims in Denver?
When you deal with the aftermath of a car accident or personal injury claim, it can be stressful. This is especially true when you are navigating the insurance claim process. If you’ve filed a claim with State Farm after an accident, you’re likely anxious to receive your settlement. Unfortunately, it can take weeks, months, or even longer to receive a fair offer from the insurance company.
When insurance companies like State Farm delay your claim, the process can feel frustrating. Simply calling State Farm’s claims department might not yield answers. If you believe State Farm is unnecessarily delaying your claim, legal action might be an option. A skilled Denver personal injury attorney can help ensure that State Farm meets its financial obligations to you.
Factors That Affect the Claim Processing Time
The length of time it takes State Farm to process and settle a claim can vary significantly. This can depend on several factors. While some claims are resolved within a few weeks, others may take several months.
Factors that can delay the settlement process include:
- Whether you have reached maximum medical improvement (MMI)
- Ongoing medical treatment, such as surgery, physical therapy, or mental health care
- The complexity of the accident, particularly if multiple parties are involved
- The amount of evidence submitted with your claim
- The insurance policy’s coverage limits
In some cases, large insurance companies, like State Farm, may deliberately delay your claim. They hope you’ll settle for less out of frustration, especially if your injuries are serious or if you’re still undergoing treatment. This strategy is sometimes used to avoid paying the full compensation you deserve. All of these factors can influence how long it takes for State Farm to settle your claim in Denver.
State Farm’s Bad Faith Tactics
Insurance companies, like State Farm, have a legal duty to process claims fairly and promptly. However, there are instances where they may act in bad faith. It is bad faith to intentionally delay or mishandle your claim.
Some common bad faith practices include:
- Misrepresenting coverage details
- Discouraging claimants from seeking legal help
- Failing to respond in a timely manner
- Not informing you of damages after inspecting your vehicle
- Misguiding policyholders about coverage limits
- Refusing to negotiate or make reasonable settlement offers
If you believe that State Farm is handling your claim in bad faith, an experienced Denver personal injury lawyer can help hold them accountable. They can ensure that your claim is processed properly and that you receive the compensation you’re entitled to.
How to Expedite Your State Farm Claim
Although the claims process can be frustrating, there are steps you can take to help speed it up:
Have Your Attorney Contact State Farm Directly
It’s important to communicate directly with State Farm to document any delays. Phone calls are often recorded. These recordings can provide valuable evidence if you need to prove that State Farm is intentionally delaying your claim.
Ask the adjuster what is needed to move your case forward. If they are vague or uncooperative, it may be a sign that they are taking advantage of you.
Cooperate with the Process
The claims adjuster will need to assess the details of your case. This includes documentation of any damage to your vehicle or property and documentation of your injuries.
Be prepared to work with repair shops, healthcare providers, and the insurance company to supply any necessary documentation. However, never speak to the insurance company without your attorney present. Your attorney can handle all communications to protect your interests.
Be Honest
Always be truthful when discussing the accident and your injuries with your attorney and healthcare providers. Exaggerating or misrepresenting your injuries could complicate your case and give State Farm a reason to delay or deny your claim. Be honest about even the smallest details and let your attorney and medical team advise you on the best course of action.
How a Denver Personal Injury Lawyer Can Help With Your State Farm Claim
If State Farm is delaying your claim, don’t wait any longer. An experienced attorney can help you receive the compensation you deserve. A seasoned personal injury lawyer will advocate for your rights and, if necessary, take your case to court to hold State Farm accountable.
Contact our Denver Personal Injury Law Firm Today For Help
A skilled legal team is ready to fight for you. They will fight for you to get fair compensation so you can recover from your injuries. Contact a personal injury lawyer today to schedule a risk-free, no-obligation consultation. Let them help you take the next step toward securing your compensation.
For more information please contact Zaner Harden Personal Injury Lawyers to schedule a free initial consultation with a Denver personal injury lawyer.
Zaner Harden Personal Injury Lawyers
1610 Wynkoop Street, Suite 120. Denver, CO 80202
(720) 613 9706
