How does state farm typically pay personal injury claims? Do they issue me a check for the medical or pay it directly? 21 Answers as of April 30, 2013

I was injured as a passenger in an auto accident. State farm agreed to pay all medical bills as well as pain and suffering. I was interested in finding out how they will pay the claim.

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Fairlie & Lippy, P.C.
Fairlie & Lippy, P.C. | Christopher A. Bradley, Esq.
They will pay you directly for pain and suffering. They can either pay the medical bills directly or pay you the money to then pay to your medical providers. It is in your best interest to speak with an experienced personal injury lawyer before agreeing to a settlement.
Answer Applies to: Pennsylvania
Replied: 11/27/2012
Andrew T. Velonis, P.C.
Andrew T. Velonis, P.C. | Andrew Velonis
With regard to medical bills, they did not "agree" to pay. If they are paying medical bills, that means it's a no-fault claim and they are required to pay. If you have not already done so, get a claim number and a benefits application, fill it out right away and send it in. You may not be able to answer every question, such as "amount of medical expenses" if you haven't had any yet, just do the best you can and send it in immediately. Then, get the medical treatment you need. As long as the doctor signs that the treatment is medically necessary and related to the accident, you are covered. The provider sends the bill to State Farm, and they pay the bill directly. As for pain and suffering, that's a different story entirely. Too many variables to discuss here. Get a lawyer if you want anything close to an acceptable result. Seriously.
Answer Applies to: New York
Replied: 11/27/2012
Gates' Law, PLLC | Thomas E. Gates
You can send the medical bills directly to State Farm to pay or you can do so with your settlement award. Not, if you pay for the medical, ask the medical organization for a compromise. They typical will reduce the amount owed by 1/3.
Answer Applies to: Washington
Replied: 11/23/2012
The Law Offices of Mark Wm. Hofgard, Esq.
The Law Offices of Mark Wm. Hofgard, Esq. | Mark William Hofgard
Most insurance companies utilize computer models to determine what will be paid. State Farm is one of the few that does not utilize the industry standard, a program called Colossus. Adjustor methods may vary by region. However, most insurance companies do try to negotiate a lump sum settlement that will include all elements of the injured party's damages: medical expenses, pain & suffering, lost wages, disability. As a general rule, the involvement of your attorney will tend to increase the amount offered (but not always). In determining your claim, careful attention must be given to all elements of your claim, whether future medical expenses will be necessary, and whether there is the possibility of a long-term disability.
Answer Applies to: Arizona
Replied: 11/23/2012
Lombardi Law Firm
Lombardi Law Firm | Steve Lombardi
The insurance contract is not with the medical service providers but with the insured.
Answer Applies to: Iowa
Replied: 11/23/2012
    Bernard Huff, Attorney/Mediator
    Bernard Huff, Attorney/Mediator | Bernard Huff
    You should consult with a plaintiff's accident or personal injury lawyer for legal advice which should include a complete evaluation of your case, including your injury and all damages you may seek.
    Answer Applies to: Indiana
    Replied: 11/23/2012
    The Law Office of Stephen R. Chesley, LLC
    The Law Office of Stephen R. Chesley, LLC | Stephen R. Chesley
    In a car accident medical bills are covered by the no fault provision of the insurance law. Generally bills are paid directly to the provider. They will pay what they believe is reasonable and under no fault regulations.
    Answer Applies to: New York
    Replied: 11/22/2012
    David K. Kremin & Associates P.C. | David K. Kremin
    What Constitutes a Personal Injury Case? Personal injury is a legal term for an injury to the body, mind or emotions. A personal injury case is a type of lawsuit claiming that the plaintiff's injury has been caused by the negligence of another. An insurance company may issue a check if it is proved their insured was responsible.
    Answer Applies to: Illinois
    Replied: 4/30/2013
    Sedin Begakis & Bish | Mindy Bish
    All I can tell you is that they are misleading you. They will only pay what they believe was reasonable and necessary and not necessarily the bills you have incurred. State Farms goal is to pay you as little as possible and prevent you from seeking legal help so they can get away with it.
    Answer Applies to: California
    Replied: 11/22/2012
    Law Offices of Ronald A. Steinberg & Associates | Ronald A. Steinberg, BA, MA, JD
    They pay by check. If you paid bills, they will reimburse you. If you did not pay, they will pay the healthcare provider. They will pay you for the pain and suffering.
    Answer Applies to: Michigan
    Replied: 11/22/2012
    Bulman Law Associates PLLC Injury Law Firm
    Bulman Law Associates PLLC Injury Law Firm | Thomas Bulman
    Ask for your payment to be made directly or by debit card.
    Answer Applies to: Montana
    Replied: 11/22/2012
    Adler Law Group, LLC
    Adler Law Group, LLC | Lawrence Adler
    It is far more complex than that. You have the burden of proving your damages (it would be best to have an attorney. They will almost certainly offer you pennies on the dollar). You should not take any money until you have reached maximum medical improvement and have a rating from the doctor. If you take any money before that they will want a full release. After you are done treating you will negotiate for full value or be prepared to sue.
    Answer Applies to: Connecticut
    Replied: 11/21/2012
    Law Offices of Tanya Gendelman, P.C.
    Law Offices of Tanya Gendelman, P.C. | Tanya Gendelman, Esq.
    Usually, the insurance carrier will pay medical bills directly to the providers, the pain and suffering settlement is paid to the injured party separately.
    Answer Applies to: New York
    Replied: 11/21/2012
    Kelaher Law Offices, P.A.
    Kelaher Law Offices, P.A. | James P Kelaher
    State Farm, not unlike all of the others, will write a check directly to you (if you are not being represented) but only after you have signed a release of all claims against State Farm's insured.
    Answer Applies to: Florida
    Replied: 11/21/2012
    Frank Law Group, P.C.
    Frank Law Group, P.C. | Brett E. Rosenthal
    Check or settlement draft to you for the entirety and you pay the providers yourself. However, that is negotiable. If you want the carrier to pay them directly and then pay you the balance you can, however, you lose the ability to negotiate the balance owed with the providers if you do it that way.
    Answer Applies to: California
    Replied: 11/21/2012
    Law Offices of Mark West
    Law Offices of Mark West | Mark West
    Generally they will pay you the total amount and you will have to pay your health care providers, or pay your health insurer back for payments made, out of the settlement money. You can request that it be paid as you instruct: i.e. pay the medical providers and pay you by separate checks. You will have to sign a settlement and release agreement in order for them to pay the settlement.
    Answer Applies to: California
    Replied: 11/21/2012
    Law Office of Edmund P. Allen Jr. | Edmund P. Allen Jr.
    It depends on your settlement agreement with them. If you do not have an attorney, they may pay your medical bills directly, and then pay you a modest amount of pain and suffering. If you have an attorney, they will pay him/her, and your attorney will put the settlement check in their trust account. They will then pay the bills from the trust account, sometimes in a negotiated down amount.
    Answer Applies to: Washington
    Replied: 11/21/2012
    Paul Whitfield and Associates P.A.
    Paul Whitfield and Associates P.A. | Paul L. Whitfield
    They would normally write you one check to include the medicals and something for pain and suffering. You might be surprised to find out they want to pay you $500 or $1000 for pain regardless of how much you suffered. Be careful that you know what you are doing. They might agree to pay the medicals separately. They will do whatever is necessary to keep you under control and pay you a small amount. That is what adjusters are hired to do. Their job is to SAVE MONEY FOR THE COMPANY not take care of you. don't be fooled into any deal.if your injury is slight and your bills small it wont make any real difference, but if you have a substantial injury you ought to have a lawyer help you.
    Answer Applies to: North Carolina
    Replied: 11/21/2012
    Barry Rabovsky & Associates
    Barry Rabovsky & Associates | Barry Rabovsky
    Call an attorney.
    Answer Applies to: Illinois
    Replied: 11/21/2012
    Koning & Jilek, P.C.
    Koning & Jilek, P.C. | Jonathan Neal Jilek
    Please call an attorney.
    Answer Applies to: Michigan
    Replied: 11/21/2012
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