State Farm is one of the largest car insurance companies in the state of Georgia and as a result your are statistically more likely to be involved in a car accident with someone insured by them.

Clients involved in car accidents involving drivers insured by State Farm will frequently ask, "What are they like? Will they settle with me?" The short answer is that any insurer will settle with you if the number is small enough, so the real question should be, "will they settle for a fair number?" For the answer to that all important question, read on:

Factors that play into where you will get a fair settlement offer from State Farm before suit is filed:

1. A lawyer who actually takes their cases to trial versus settles everything like a TV lawyer
2. Moderate or high damage to the cars? Big plus
3. Significant Injury or one that shows up on objection testing, cracked ribs, cerebral bleeding, lacerations, etc.
4. Clear Liability
5. DUI by defendant driver
6. Lack of pre-existing injury, prior claims or severe degenerative changes in the injured body part.

If you have these factors, then State Farm is likely to take the case seriously, assign it to a seasoned adjuster and you should see offers that come in at the lower end of the expected verdict range. The personality and life experience of the adjuster and their familiarity with your lawyer can also make a big difference.

State Farm does use computer based valuation systems where they input medical bills and treatment codes. The system takes into account all of the factors that go into how much an injury case is worth in Georgia.

If your case is a low impact claim, involved mostly chiropractic care, non-objective injuries or you have significant prior claims or medical issues, then the odds are you will need to litigate and try your case to verdict to get fair value.

State Farm's in house lawyers can be very frustrating as they generally keep their heads down, stick to the basics and try an excellent case, without noticing when a case merits reconsideration. Their outside counsel tend to do a better job recognizing cases that are problematic for State Farm.

State Farm in Georgia does do a good job of putting their offer on the table with Uninsured/underinsured cases early on and allowing the insured to litigate for the difference. All things considered, this a very fair tactic to take.