Maison Law can help you if State Farm denies your injury claim after a car accident in California. It’s incredibly frustrating to fight with an insurance company like State Farm, and that’s largely by design. They have the resources to drag claims out—especially after first denying them. To get a free consultation, reach out to our team today and let us talk you through your options.
What Can I Do If State Farm Denies My Injury Claim?
When State Farm denies your claim, it can feel like you’ve run into a brick wall. You sent the paperwork. You answered their questions. And now they’re telling you no. That’s their right, and while they control much of the process, it’s not the end of the road for your claim. Here’s what you can do if they deny your claim:
- Counter them. Before you take further steps, you can counter their denial. Basically, you want to ask them to reconsider your position. The best way to do that is to provide additional information and evidence. Sometimes, additional evidence is enough to reopen the conversation. Other times, the back-and-forth drags on and nothing really changes. When that happens, you have another option.
- Filing a lawsuit. If negotiations stall and State Farm refuses to move off their denial, filing a personal injury lawsuit may be the next step. A lawsuit shifts the decision away from State Farm and puts it in the hands of a judge or jury. It’s more formal than a claim—and it takes more time. But crucially, it’s neutral. That means that your exact same evidence and claim information can be used to get financial support. With that said, it’s important to know what comes with a lawsuit before you file. That involves:
- Filing a complaint that lays out the facts of what happened (through your perspective.)
- Keeping track of deadlines and hearings.
- Exchanging evidence with State Farm through discovery.
- Preparing you for a deposition.
- Taking the deposition of State Farm’s adjusters, your doctors, the other driver, and anyone else that is involved.
- Working with our team of experts, including accident reconstruction teams, economic experts, and medical professionals.
- Going through mediation to try to resolve the case before trial
Here’s the honest part: lawsuits take time. They can last months or longer. And filing one doesn’t guarantee a positive result. But if you feel like State Farm is denying your claim wrongly, a lawsuit is really the only way to hold them accountable. Plus, lawsuits have the added benefit of helping you get further “damages” that aren’t available through the insurance process, like future medical expenses, lost earning potential, pain and suffering, emotional distress, and reduced quality of life.
What Information Can Help Me If State Farm Denies My Claim?
In the vast majority of injury claims that they deny, State Farm usually says the same thing: there’s not enough proof to show what happened (even if there is.) Their goal isn’t to get to the bottom of what happened, it’s to save as much money as they can. But the truth is, you can provide information that they can’t ignore or spin. This usually includes things like:
- Pictures and videos. Pictures or videos of the accident scene can make a huge difference. Things like where the cars ended up, skid marks, debris, or traffic signs disappear fast—but a few clear shots can show exactly what happened when memories start to fade.
- Your own statements. Be careful with what you say at the scene. Your words can be twisted, and State Farm’s team knows how to take your statements and turn them into something else. Just stick to the facts and be brief—especially when talking to police.
- Medical records. Your doctor’s notes, ER reports, imaging, prescriptions, and follow-ups tell the story of your injuries. They show when you first got treatment and what was needed, connecting your injuries directly to the accident.
- Statements. Written or verbal statements from people that saw what happened can clarify the details. These statements especially carry weight when fault is being questioned, and getting their contact information before it’s lost is key.
- Accident reports. Police or CHP reports give a timeline, diagrams, and officer observations from the scene. They don’t decide fault, but State Farm is going to lean on them heavily when deciding whether to accept or deny your claim.
- Bills and receipts. Keep track of everything—medical bills, prescriptions, repair estimates, rental cars, lost wages, mileage. If it’s not documented, State Farm’s team will treat it like they don’t exist, even if it’s real.
Every accident is different, but the building blocks of what you’ll need is found in most of these things. And you don’t have to try to gather them all yourself. Our team can help put all these pieces together.
Get a Free Consultation After State Farm Denies Your Injury Claim
Dealing with State Farm after a car accident is incredibly challenging. And that’s before they find a reason to deny your claim. Once they do, though, you might need to take things further and that’s where our team of California car accident lawyers at Maison Law can help by:
- Going through the details and records to understand exactly what happened
- Helping you gather key evidence—photos, medical records, witness statements, and more—to strengthen your claim
- Challenging State Farm’s denial and potentially reopening negotiations
- Filing a lawsuit in civil court against State Farm and the at-fault driver if needed
Having an injury claim denied by State Farm is frustrating, but it’s not the end of the road. Reach out for a free consultation today.
