Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Nov 1, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Clifton, CO

Asked on 11/01/2011

i was in car accident but i dont feel state farm insurance is being fair. I was involved in car accident an it was the other drivers fault by admission of him. He does have full coverage but the agent i am working with only offered me 1,500 and my friend 300 i dont think either one of these are fair. i had a seizure right after bein hit. I suffer from headaches, dizziness, nausea and some neck pain. Are we entitled to more or should we just settle?

Answer given on November 04, 2011

When you are injured in an automobile accident, the other insurance company is expected to reimburse you for your expenses due to the injury. It is your responsibility to make the adjuster aware of your costs as well as any lingering effects of the accident. If your expenses have exceeded the $1,500 offer, the adjuster needs to make a larger offer. The question of pain and suffering are another issue and would usually be a separate settlement offer.If you and the adjuster can’t agree, you should ask to speak to a supervisor about the injuries and offered settlement. Again, it is your responsibility to prove the loss you are claiming on the injuries sustained. If you can’t reach a settlement with the company you do have the right to seek an attorney to assist you in a larger settlement, but it will most likely slow down the claims process and, of course, the attorney will need to be paid a fee.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.