How much should I take as an offer from state farm after an auto accident?

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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...

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UPDATED: Oct 17, 2011

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Insurance Question from Metairie, LA

Asked on 10/17/2011

How much should I take as an offer from state farm after an auto accident? State Farm has offered me $920 for an accident I was involved in about a week ago. I have had some slight back pain and discomfort, but nothing tylenol can not handle. It was clearly the fault of the other party. It was a 4 vehicle accident. Lady slammed into the car behind me pushing it into me and me into the car in front of me. Ive never been involved in this type of accident and do not know if this is a fair offer or not. I was clearly hit from behind.

Answer given on October 18, 2011

Without knowing the amount of damage to your car as well as the total amount of your medical bills, it would be hard for me to say whether this is far or not. Usually the first offer by any insurance company is low.   What was the rate of speed the police report had her traveling at impact?  Was there any other cricumstances that could make her grossly negligent?  Read our article, How To Know When Your Car Settlement Offer is Too Low. Then if you are still not sure, contact an attorney in your area that would be better able to evaluate this claim to make sure you are being treated fairly.  To reach an attorney in your area, click here.

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