If you’ve ever watched television, you have probably seen some version of a State Farm commercial. Although it is no longer prominently featured, State Farm is known for a classic jingle and tagline: “Like a good neighbor, State Farm is there!” This type of advertising is meant to lull consumers into a belief that State Farm, like other insurance companies, is on your side, there to help protect you in the event of an accident.
Yet as a Philadelphia car accident attorney can explain, filing a claim against State Farm is rarely straightforward. With over $87.6 billion in annual revenue and 18,000 agents, State Farm isn’t your “neighbor” — it’s a massive corporation.
State Farm’s adjusters and attorneys don’t work for you. Their job is not to help you get you the compensation that you deserve for your injuries, but to minimize your claims to protect the company’s bottom line. A Philadelphia car accident attorney can advocate for your best interests, and help you get the most favorable outcome for your car crash case.
Who is State Farm?
State Farm is part of a group of insurance and financial services companies. Headquartered in Bloomington, Illinois, the corporation’s main business is State Farm Mutual Automobile Insurance Company. State Farm is currently at number 36 on the 2018 Fortune 500 list of the largest corporations in the United States by total revenue.
As of February 2014, State Farm insured 44 million automobiles in the United States and Canada. In addition to 19,000 insurance agents, State Farm has 70,000 agents. Its insurance business owns the other State Farm companies, which includes twenty-five (25) corporate subsidiaries. So unless your neighbor is a massive international corporation with nearly $100 billion in annual revenue, State Farm is probably not like a good neighbor — especially when it comes to handling Philadelphia car accident claims.
Why Pursuing Claims Against State Farm Can Be Challenging
It is no secret that State Farm is an enormous corporation, or that its pockets are deep. What this means for people who are injured in accidents is that it can be very difficult to be treated fairly in the claims process — unless you have a Philadelphia car accident attorney on your side.
State Farm has the ability to hire a small army of lawyers to defend against car accident claims. It also has a team of adjusters and other employees who may refuse to accept liability or to properly value your claim for damages. As a result, State Farm will often deny claims outright, or offer settlements that are insulting based on the level of harm suffered.
In a typical Philadelphia car accident, a victim of another driver’s negligence may suffer medical bills, property damage, lost wages, pain and suffering and other types of losses. With giant insurance companies like State Farm, the incentive is not to pay victims the full amount of their damages, but to undervalue claims to increase their profits.
Yet this does not have to be the outcome. A skilled Philadelphia car accident attorney can stand up for your rights, and help make sure that insurance companies such as State Farm pay you what you deserve for your injuries.
How a Lawyer Can Level the Playing Field
If you have been hurt in a Philadelphia car accident, you don’t have to handle it alone. A seasoned Philadelphia car accident attorney will look out for your best interests and prevent you from being taken advantage of by the other driver’s insurance company.
Personal injury attorneys understand how the system works, and are skilled at negotiating with State Farm. A lawyer will start by conducting an in-depth investigation, collecting evidence to support your claim, and then determining the value of your case. When possible, your Philadelphia car accident attorney will negotiate a settlement with State Farm or another insurance company. However, if State Farm continues to make low ball offers, your lawyer will represent your interests in court, aggressively advocating for your right to fair compensation.
At each step of the process, your Philadelphia car accident attorney will take on the challenge of handling State Farm for you. Your lawyer will communicate with State Farm on your behalf, and work with you to resolve the case favorably. By taking this load off of your shoulders, you can focus on what is most important: your recovery.
Work with a Philadelphia Car Accident Attorney
At Solnick & Associates, we have extensive experience dealing with State Farm and other insurance companies. We believe in working with our clients to help them achieve their goals.
If you have been hurt in a car accident, we are here for you. We offer free initial consultations, where we will explain your rights and options. To learn more or to schedule an appointment with a Philadelphia car accident attorney, contact our office today at 877-415-6495 or reach out via our online portal.