State Farm Auto Accident Claims

State Farm is the largest private auto insurance company in the U.S. and State Farm is the 2nd largest auto insurance carrier in Maryland. Our lawyers have handled thousands of auto accident claims with State Farm and we know exactly what you can expect when dealing with this insurer.

It is hard to make blanket generalizations on dealing with State Farm for settlement. Their reasonableness on auto accident claims tends to vary from adjuster to adjuster. Some adjusters are eager to try to settle accident claims for fair value. Others are more difficult and will require a lawsuit to get a reasonable settlement or verdict.

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State Farm is more likely to let a case go to trial than any other insurance company in Maryland

Go to Trial if You Want a Better Offer from State Farm

One thing we can say for certain is that matter no what adjuster you have State Farm’s settlement offer will invariably increase as litigation moves forward. One reason for this is that State Farm’s in-house attorneys tend to be more reasonable than its adjusters. This reasonableness stems in part from having to try the case to a jury, as opposed to just sitting in your office pronouncing the value.

State Farm, like most insurance companies, uses a computer system called TEACH to assist in placing an amount of money damages on personal injury accident claims. This program regularly spits out settlement value ranges that are far below the fair value of the claims.

Good Things About State Farm Claims

State Farm is more willing to take auto cases to trial compared to any other insurance company. But there are three nice things about dealing with this insurer:

  1. UIM Checks Before Trial:  In first party uninsured/underinsured motorist cases, it will write a check for the last settlement offer it makes before trial, which is an incredibly reasonable policy that demonstrates some loyalty to its policyholders.
  2. Pays Excess Verdicts: in another show of policyholder loyalty, it is quick to pay excess verdicts that are over its policy limits if its insured is sued.
  3. Fast & Efficient Processing: State Farm runs a pretty efficient shop in these cases, at least in Maryland and the District of Columbia. They will provide you a quick response to your request for a status of your demand package and typically generate a settlement offer faster than most insurance companies.

Our primary complaint with State Farm is that it does not offer a fair value settlement to resolve the claim without a lawsuit.

State Farm’s In-House Counsel

State Farm’s in-house accident claims counsel is Timothy Smith and Associates, in Lanham, MD. We have found these lawyers reasonable, but often restricted by orders from State Farm.


Settlement Value of State Farm Accident Cases

If you have an auto accident claim against State Farm, the best way of evaluating the potential value of your case is by looking at how much State Farm paid in prior cases involving similar circumstances. The table below shows recent verdicts and publicly reported settlements for State Farm accident cases.

state farm headquarters
Old State Farm Headquarters Building, Bloomington, IL.

State Farm Settlements & Verdicts in Maryland Accident Cases

YEAR / VENUE

CASE / INJURY SUMMARY

RESULT

2019 – Baltimore County

Torn meniscus (knee) sprained foot, sprained leg, bruised right hip.

$50,000 – Verdict

2019 – Baltimore City

Failure to yield on left turn (§ 21-402), State Farm contests liability claiming its insured driver had the right of way. Case goes to trial and jury awards $70,000 for moderate injuries.

$70,000 – Verdict

2019 – Baltimore County

Shoulder sprain, neck sprain, thoracic outlet syndrome.

$10,000 – Verdict

2018 – Baltimore City

Head-on collision. Plaintiff sought UIM benefits for synovitis (small toe), lower leg bruising, chest pain, and right shoulder pain.

$30,364 – Verdict

2018 – PG County

Rear end collision. Plaintiff suffers herniated discs with radiculopathy requiring surgery. Injury results in partial disability rating. State Farm claims that injuries were pre-existing and refuses to settle.

$120,000 – Verdict

2018 – Baltimore City

Plaintiff suffers multiple herniated discs (with radiculopathy). Undergoes spinal fusion surgery but still has numbness and an 18% disability rating. State Farm refuses to settle, claiming injuries were pre-existing.

$120,000 – Verdict