When I was a kid, my mom taught me a few simple rules:
- Treat others like you want to be treated;
- No matter how long you’ve gone down the wrong road, turn back; and
- If you break it, you pay for it
Out of state insurance companies like State Farm think they are above those simple rules. They want to have their cake and eat it too. Insurance companies do this by charging everyday people for premiums, and then finding any reason not to pay when someone is seriously hurt. These corporate special interests think the rules should apply to everyone else, and that if you are hurt you did something wrong.
When we first started helping everyday people deal with State Farm auto claims in Kentucky, State Farm was generally easy to deal with. Not anymore. They’ve gone down the wrong path, and there is no turning back. Unlike a good neighbor, State Farm’s a bear to deal with.
State Farm, like most other insurance companies handling auto wrecks and car crashes, seems to take their version of the golden rule from some other book – these out of state insurance companies think they have our gold, and they make the rules.
It seems (from the outside) that most of this is due to an increase in Kentucky claims being handled by the State Farm office near Chicago. These Chicago adjusters are denying claims, even if the person is seriously injured, when they can make any argument that the person who is hurt is “at-fault.”
For background, Kentucky is a “pure comparative fault” state. That means, if you cause an auto wreck or car crash, and you are at least 1% responsible, you have to pay for 1% of the injuries caused. Similarly, if you are 50% responsible, you have to pay for 50% of the injuries caused.
Out of state adjusters working for insurance companies just don’t know this, or they act like it doesn’t apply to them. They rig the game to increase their profits.
In two recent cases handled by our office, State Farm offered $0 and $2,500 to resolve two serious injury cases. In both cases, it was clear that the State Farm insured was at least 50% responsible for causing the serious injuries. In fact, in one of the cases the police report said that State Farm’s insured was 100% at-fault for causing the collision. Normally, if you break it, you bought it. But State Farm didn’t want to pay anything.
We filed both cases in Court. After discovery and with the threat of a twelve person jury, State Farm offered policy limits for both cases due to the clear responsibility of their insured drivers. The shame is that unlike our clients, most people will just walk away rather than hold out of state corporations like State Farm accountable.
If you are frustrated with State Farm, or they are simply telling you that they can’t make a decision on your serious injury case, give us a call. We have experience showing State Farm that the rules apply to everyone, and no one (no matter how wealthy) can buy the American Justice system.