Idaho State Farm Insurance Lawyer
Auto Insurance Lawyer Serving Clients in State Farm Claims
Getting hurt in a car accident in Idaho can be devastating. You are facing extremely high medical bills in addition to lost wages due to your debilitating injuries. The trauma of a traffic collision is only worsened when you begin the daunting process of filing an insurance claim through State Farm. While most of us like to assume that insurance companies will do what is right, injury victims need to remember that insurance companies like State Farm think about their bottom line before anything else. Regardless of the number of years you have been a loyal State Farm customer, your insurance company is not interested in providing you with the compensation you deserve if it means paying out more money.
When it comes to filing a claim and negotiating with the insurance company, it is important to have an aggressive Idaho State Farm insurance lawyer on your side. To be clear, even if you have been an Allstate customer for years, that does not mean that the insurance company has your best interests in mind when dealing with a car accident claim. An advocate at Hansen Injury Law can help to ensure that your voice is heard and that you obtain the best possible settlement from State Farm.
Filing Your State Farm Insurance Claim
When you sustain serious injuries and property damage in an Idaho car accident, you have two options for filing an insurance claim:
- File with your own insurer; or
- File a third-party claim with the negligent driver’s insurer.
Since Idaho is an “at-fault” state when it comes to car insurance, an injured driver has the option either to seek compensation from her own insurance company by filing a claim and paying the deductible, or by filing a claim through the responsible party’s insurance company. There are benefits and limitations to both options, including the potential timetable for a payout, as well as the upfront deductible costs associated with filing a claim through your own insurance company. An Idaho State Farm car accident lawyer can explain these options to you in more detail.
Dealing with Underinsured and Uninsured Motorists in Idaho
In some cases, however, injury victims do not have the option of filing a third-party claim when the other driver is underinsured or uninsured altogether. Idaho law requires that all drivers have auto insurance in the event of an accident. However, sometimes a driver causes a car accident while driving illegally without insurance. In other situations, the driver may have the required amount of insurance but has done so much harm that his policy limits are unlikely to cover the amount he will owe. In this latter situation, the driver is typically described as being “underinsured.” The law specifically requires drivers to have at least the following amounts in insurance coverage:
- Bodily injury per person (per accident): $25,000;
- Bodily injury for all persons in an accident (per accident): $50,000;
- Property damage liability: $15,000;
- Uninsured motorist coverage: $25,000; and
- Underinsured motorist coverage: $50,000.
As you can see, your policy requires you to have uninsured and underinsured motorist coverage in the event of a crash. How does this help you? For example, if you are injured in a crash involving a driver who has been on the road illegally without insurance and causes an accident, you can file a claim through State Farm—your own insurance company—for up to the policy limit of $25,000. Similarly, if you are involved in a collision in which the negligent driver caused damage and injuries to multiple persons and multiple vehicles, his insurance simply may not cover all of the damages. In this case, you can file a claim through the underinsured motorist provision in your policy. Keep in mind that you can pay more for higher coverage.
State Farm Has a Duty to Settle Claims in a Timely and Fair Manner
When you are injured by an uninsured or underinsured motorist in Idaho and you file a claim with State Farm, you should know that you have the right to have your claim settled in a timely and fair manner. Under Idaho’s unfair claim settlement practices, State Farm is required to do the following:
- Investigate your claim in a timely manner;
- Acknowledge and respond to communications from you concerning your claim;
- Affirm or deny coverage within a reasonable period of time; and
- Attempt, in good faith, to settle your claim in a reasonable time period, as well as in a way that is fair to you with regard to the losses you sustained.