State Farm and Allstate Pays for Property Damage but Refuses Personal Injury Claims

If you have been involved in an auto accident and the insured driver that hit you has State Farm or Allstate auto insurance. I would think twice about filing a personal injury claim, especially if it's a small bodily tissue injury. Such as a simple torn ligament or "whip lash" in the neck from being rear-ended by another vehicle and if the property damage is a very minimum.

State Farm and Allstate both are notorious for choosing to drag out your personal injury claim for payments almost (2) two years in the state of Georgia because they legally have 2 years to "pay up" before a law suit will be filed by your attorney. Most U.S states have anywhere from 1-4 years for this medical claim payment payout period simply because of the litigation process can take so long and use the county courts time. (This is based on personal facts).

One reason why is because personal injuries can linger on for years and years to come. In other words, if the insurance company settles immediately, and you have repecussions from this injury later on in life. Your attorney(s) can always go back and file a law suit regarding this injury against the other insured driver and unfortuantely NOT the insurance company. (State Farm and Allstate are both aware of this situation. This is most likely the MAIN reason why they take so long to settle your medical claim payment).

Another obvious reason why is because companies like State Farm and Allstate know they can just simply get away with it? Especially if it's a neck injury such as "Whip Lash" which is extremely hard to prove in front of a jury trial. Over 90% of the time this particular injury can not be shown on x-rays, CT scan and even an MRI report, although medical examiners most often agree that it's possible to have this pain for years, (unfortunately, this injury weakens the muscles and joints around the neck).

The auto accident victim also knows the injury is there and most likely feels the pain for years and years after this terrible accident. Most personal injury attorneys will tell you to immediately go the orthopedic surgeon and or chiropractor just so you can run up these gigantic medical bills, which looks "Great" on their initial report to insurance adjuster(s) to settle your case which normally begins after about (6) six after you hire this legal counsel to represent you.

Most auto accident tissue injuries like torn ligaments, herniated disc in the back or neck, or torn cartiliage in the knees are NEVER admissible in court. Unless the plaintiff's attorney has an incredible medical provider that has proved all the facts regarding this particular injury and examination in their legal deposition, which also comes out of your final settlement normally $2500.00 for each expert doctor.

"If your property damage to your vehicle is very small" State Farm and Allstate both know they can get away with your medical payment forever!" simply because of what it looks like in front of a jury if litigation is filed. Your attorney will win in the end, even if you lose your case? Ironically by charging you for un-called for itemized expenses. If you do not pay these so-called expenses, he could possibly file a jugdement against you, thus in return hurting your credit, which can be embarrassing to explain as possible insurance fraud.

Also, remember in the end if you lose your case, you will still be responsible for paying these outrageous medical bills. Chiropractors love to run up these expensive bills and try to charge it to the insurance companies, especially if this is a personal injury incident based on an auto accident. You will be expected to file these injuries with your personal medical insurance company in the beginning if you have available valid medical insurance. If Not? Your mostly likely screwed!

However, if State Farm or Allstate refuses to pay for these personal injuries in the end. Your personal medical insurance may "throw up a red flag?" And wonder why the other insured driver's insurance company refused to pay for these all these medical bills as a result of this accident and or incident occured on this particular date if finally stated in front of a jury. Thus, causing you more embarassing and monetary problems later on down the road "Looking as insurance fraud" as previously stated.

If my understanding is correct. Your medical insurance company may even contact you personally in writing and also your medical providers (doctors) later on and ask "Why was this claim or case denied for payment?" If you have excellent credit and a middle class or even an upper middle class income or above. This could possibly cause you problems later on in life, which your attorney will never tell you about in the beginning of your initial consultation.

It's ironic how so many personal injury attorneys and chiropractors seem to always join hand and hand whenever it comes to these particular insurance claims. State and Allstate both know these facts and have the legal staff to fight these cases over a period of time. "Fortunately for all of them, Time is how they make their money!" Meaning that your case has been set aside for a later POSSIBLE payment between the insurance company, attorney and even your medical provider(s).

I realize this sounds like a "Game!" Your right it is!" Your state insurance commissioner understands this problem and most of them fight this situation on a daily effort. But, the problem is? these legal people regarding insurance companies and personal injury attorneys are constantly aware of the changing laws. "Most personal injury attorneys fight for the laws to make them more money?"

Insurance companies at the same time "fight" for better laws to reduce their payments of small so-called personal injuries. The un-aware consumers of insurance always seems to lose in the end somehow because of bogus personal injury attorneys. My personal advice is? Don't file a personal injury claim with State Farm or Allstate unless it's absolutely necessary.

Thanks for reading,

Phillip Chambley.