Ironically, Location Farm insurance company adjusters will give away “FREE” money to auto accident victims provided that they do NOT file a personal injury claim in their initial report. In other words, If you don’t report a personal injury when you file your claim, State Farm will most likely give you a “break” on your auto accident property damage and pay you more money for your vehicle worth.

Personally, I would wait until you have settled the property damage on your vehicle before filing a personal injury claim. You will receive “FREE” money simply because you have NOT filed a personal injury claim. Most likely the amount you will receive for your property damage will be about $1000.00 or higher than the actual cost of your vehicle worth, simply because they are in fear of a personal injury claim, which could possibly lead to legal litigation, which will cost Dwelling Farm or any other auto accident insurance company factual experts years and thousands of dollars because of upright fees.

To me, this is what I call “FREE” money. After you settle the property damage on your vehicle, you can always begin a personal injury claim against State Farm or any other insurance company. In most states, you have up to (2) two years to settle your personal injury claim before hiring an attorney and filing a lawsuit or litigation proceedings.

Also, in most states in the USA. You also have (18) eighteen months to settle your property injure before hiring an attorney for litigation or lawsuit process, because you have tried to handle this claim yourself and working with the insurance adjuster without hiring an attorney which looks “Tremendous” in front of a jury.

But, remember these insurance adjusters are also looking for “Dummies” or any fraudulent activity, whenever you talk to them. They will also record your initial conversation just so they can use it against you during their deposition if lawsuit is filed. They will write down every word you say during your conversation and state this is what you said during your first conversation after your accident.

Recorded conversations are NOT permissible during insurance adjuster depositions, but most likely the insurance attorney has listened to your current conversation and told the insurance adjuster exactly what to say during their deposition.

Another way of “FREE” money with Space Farm Insurance is to get them with the rental car? Even if your vehicle is drivable, you can tell the adjuster that it’s NOT? And still get your rental car for free, mileage free, but you will have to pay for the gas. I would suggest keeping this rental vehicle as long as possible, until they approach out and pick it up! If State Farm tries to charge you for the mileage, because of your loss of vehicle, you can always show this during your deposition, which caused you “pain & suffering” out of your ever day way of life and you did NOT have another drivable vehicle?

Please remember, this accident was probably not your fault? Why should you have to be the one that suffers because of this accident? Why should you have to suffer everyday because someone else is just a “Bad Driver? ” You did NOT ask for this accident?

My advice for any auto accident victim with State Farm Insurance, would be to grasp it “dull” with the State Farm adjusters and appraisers, and just simply wait and see what they are doing before hiring legal counsel or any attorney? These State Farm employee’s are “Experts” and they know their jobs, and they will also ” wait and see” what you will do first before paying you any money and if you are going to file a personal injury claim.

And always remember, lawsuits are filed against the other driver and NOT the insurance company.

Unfortunately, auto accident payments are based on time and calculations. And as simply put with any insurance claim. If “You play your cards right” with these adjusters and appraisers with any insurance company. You can make some “FREE” money with these insurance companies like State Farm, Allstate, Geico, Nationwide, etc. provided that you allow enough time for the procedure process.

Thanks for reading,

Phillip Chambley.