State Farm: How to File a Claim
Last updated Wednesday, October 18th, 2023
A car accident is one of the most common ways an individual may suffer injuries, property damage, and even death. Some accidents may be minor, but others can cause serious injuries. For insurance to cover injuries, you need to report the accident and be able to document the details. Remember, while insurance companies can be helpful, they look out for themselves, not you. They will do anything to pay the least amount possible, so we always recommend calling a car accident lawyer to help with your claim. Let’s review how to file State Farm claims in Alabama.
7 Steps on How to File State Farm Claims in Alabama
If you’ve been in a car accident and need to reach State Farm Claims, here’s what to do.
Step 1:Call State Farm to Report an Accident
- The policy number of the car involved in the accident
- Drivers license number and address of each driver
- One piece of photo ID for every individual involved in the accident
- a formal police report.
Step 2: Take the Proper Photographs of the Damages
The best way to document damages is to take pictures in clear and bright conditions from multiple angles (at least three) and your surroundings. Take photos from your cell phone, digital camera, or video camera inside and out of the car. Also, take pictures of nearby objects such as street lights, traffic signs, road markings, and surrounding buildings and homes. If you do not take photos of the damages on time, you can expect to be challenged about them later in the claim process. This is just one step in filing State Farm claims in Alabama.
Step 3: Obtain the Police Report
If you have injuries from an accident where another party is at fault, you must obtain a police report. If the officer did not write a message, they must file one with the department within 72 hours. This report should include the registration number of all vehicles involved in the accident, driver’s license data, and information about whether anyone was injured or died.
Step 4: Obtain Proof of Insurance
If you claim an at-fault driver, you must bring a copy of their insurance coverage documentation. It shows that the driver can pay any compensation due to their negligence. Many car accidents may involve uninsured drivers, which makes it very necessary to have proof of insurance coverage.
Step 5: Contact Medical Providers
Ask your medical providers for copies of all invoices, bills, and other charges related to your injuries. In addition, make sure you have the names, addresses, and phone numbers of any doctor or hospital staff who may have treated you. Your medical records will provide additional information to your State Farm agent.
Step 6: Do Not Settle With Insurance Until Talking to a Lawyer
It’s crucial to remember that insurance companies like State Farm are notorious for paying the least amount possible. They have teams of lawyers and advisors, whereas you only have yourself. If you are not getting the needed help, move to step 7.
Step 7: Call Mezrano Law for a Free Legal Consultation
If you sustained injuries or are having difficulty getting compensated from the insurance, call Mezrano Law Firm’s car accident lawyers. We have extensive knowledge of insurance companies like State Farm and will advocate for you to get the highest compensation.