i was in car accident but i dont feel state farm insurance is being fair.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 1, 2011

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Insurance Question from Clifton, CO

Asked on 11/01/2011

i was in car accident but i dont feel state farm insurance is being fair. I was involved in car accident an it was the other drivers fault by admission of him. He does have full coverage but the agent i am working with only offered me 1,500 and my friend 300 i dont think either one of these are fair. i had a seizure right after bein hit. I suffer from headaches, dizziness, nausea and some neck pain. Are we entitled to more or should we just settle?

Answer given on November 04, 2011

When you are injured in an automobile accident, the other insurance company is expected to reimburse you for your expenses due to the injury. It is your responsibility to make the adjuster aware of your costs as well as any lingering effects of the accident. If your expenses have exceeded the $1,500 offer, the adjuster needs to make a larger offer. The question of pain and suffering are another issue and would usually be a separate settlement offer.If you and the adjuster can’t agree, you should ask to speak to a supervisor about the injuries and offered settlement. Again, it is your responsibility to prove the loss you are claiming on the injuries sustained. If you can’t reach a settlement with the company you do have the right to seek an attorney to assist you in a larger settlement, but it will most likely slow down the claims process and, of course, the attorney will need to be paid a fee.

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