Fighting State Farm's Car Accident Claims Process in Colorado

State Farm may be America’s largest insurance company, but that doesn’t mean they’re looking out for your best interests after a car accident.

With a staggering $134 billion in assets, State Farm has built an empire on controlling how the entire insurance industry evaluates claims.

As someone who spent years representing insurance companies like State Farm and GEICO before switching sides to fight for accident victims, I’ve seen their tactics from the inside.

My name is Doug Allen, and I’ve been handling car accident cases in Colorado for over 32 years.

I know exactly how State Farm operates, and I’m here to tell you that their size and wealth work against you, not for you.

State Farm’s Three-Pronged Attack on Your Claim

State Farm has perfected what many attorneys call the “Three D’s” strategy: Deny, Delay, and Defend.

This approach is particularly aggressive when it comes to soft-tissue injuries like whiplash cases.

While I hope they don’t apply these same ruthless tactics to cases involving surgery or broken bones, their pattern with whiplash claims is unmistakable.

The Denial Phase

State Farm will search for any possible reason to deny your claim outright.

They might claim you weren’t covered under the policy at the time of the accident.

They could argue that your injuries were pre-existing conditions that weren’t actually aggravated by the car crash.

Sometimes they’ll question whether the accident even happened the way you described it.

State Farm knows that many people will simply give up after receiving a denial letter.

That’s exactly what they’re counting on – that you’ll walk away rather than fight a billion-dollar corporation.

But here’s what they don’t want you to know: many of these denials are baseless and can be successfully challenged.

I’m not talking about fraudulent claims – those should absolutely be denied.

I’m referring to legitimate injury claims where real people have been genuinely hurt in car accidents.

Soft-tissue injuries may not show up on X-rays, but they can cause permanent pain and affect your quality of life for years to come.

The Delay Tactics

State Farm has mastered the art of delay, and they use it as a weapon against injured accident victims.

The delays start immediately after you hire an attorney.

They may take weeks to even acknowledge that you have legal representation.

When your lawyer makes a reasonable settlement demand, they’ll often let the deadline expire before responding.

This isn’t accidental – it’s a calculated strategy to wear you down and pressure you into accepting less than you deserve.

I currently have a case that perfectly illustrates this behavior.

State Farm’s initial offer barely covered my client’s medical bills – an absolute injustice considering the extent of her injuries.

When I submitted a counteroffer, they simply ignored me.

They avoid my phone calls and refuse to respond to my emails.

This deliberate non-communication is part of their systematic approach to frustrating both attorneys and their clients.

The Defense Strategy

State Farm has unlimited resources to defend against legitimate claims.

They’ve built multiple layers of defense, starting with claims teams as their first line of resistance.

Behind these adjusters sit supervisors who believe they’re duty-bound to deny, delay, and defend every claim that crosses their desk.

These supervisors have the authority to approve higher settlement amounts, but State Farm deliberately makes them impossible to reach.

They won’t give out supervisor phone numbers because they know plaintiff attorneys would call non-stop.

In my current case against State Farm, they’re waging a campaign of complete silence.

They refuse to answer emails, phone calls, or faxes, hoping that I’ll simply disappear.

This is a billion-dollar company acting like injured people don’t exist.

What Happens If State Farm Denies Your Car Accident Claim

If State Farm denies your car accident claim, don’t panic – and definitely don’t give up.

A denial doesn’t mean your case is over.

It often means State Farm is testing to see if you’ll fight back.

The first thing you need to understand is that insurance companies deny many legitimate claims hoping you’ll simply walk away.

They’re betting that most people won’t have the knowledge, resources, or determination to challenge their decision.

When State Farm denies your claim, they’re required to provide a specific reason for the denial.

Common reasons include policy coverage disputes, liability questions, or claims that your injuries weren’t caused by the accident.

Each of these denials can potentially be challenged with the right evidence and legal strategy.

Don’t try to fight State Farm alone.

Their adjusters are trained professionals who deal with claims all day, every day.

They know exactly what to say to minimize your claim or get you to accept responsibility for the accident.

You need an experienced car accident attorney who understands their tactics and knows how to counter them effectively.

How I Fight Back Against State Farm

When I take on a case against State Farm, I prepare my clients for a long battle.

This isn’t going to be a quick, easy settlement.

State Farm will make you work for every dollar you deserve.

But I’ve developed specific strategies to level the playing field.

Building a Bad Faith Case

From the moment State Farm starts their delay tactics, I begin documenting everything for a potential bad faith lawsuit.

I send detailed emails documenting every negligent act committed by their adjusters.

I ask specific questions that they consistently refuse to answer.

Their silence becomes evidence of bad faith that can be used against them in court.

I create a complete factual record of all the actions they took – or failed to take – on your claim.

This documentation becomes crucial if we need to file a bad faith lawsuit against State Farm.

Filing Complaints with State Regulators

I’m prepared to file immediate complaints with the Colorado Insurance Department when State Farm engages in unfair claims practices.

These complaints create an official record of their behavior and can be used as evidence in court.

State insurance commissioners take these complaints seriously, and multiple complaints against the same company can trigger regulatory action.

State Farm doesn’t want attention from insurance regulators, and they know that pattern complaints can lead to investigations and sanctions.

Taking the Fight to Court

Here’s what State Farm doesn’t want you to know: they only understand one thing – litigation.

If you’re not willing to file a lawsuit and take them to court, they have no incentive to treat your claim fairly.

They keep detailed lists of attorneys across the country, categorizing us into two groups: those who will file lawsuits and those who won’t.

I’m on the list of attorneys who will fight them in court, and they know it.

That’s why they take my cases more seriously than attorneys who are afraid to litigate.

State Farm’s goal is to make soft-tissue injury cases disappear entirely.

They want to discourage attorneys from taking whiplash cases because they know most lawyers won’t want to fight a billion-dollar company.

If they succeed in this strategy, they’ll save billions of dollars while injured people suffer without compensation.

Why Experience Matters in State Farm Cases

Having represented insurance companies like State Farm for many years before switching sides gives me a unique advantage.

I know their internal processes, their strategies, and their weaknesses.

I understand how they evaluate claims and what evidence they find most compelling.

This inside knowledge allows me to build stronger cases and negotiate more effectively.

Over my 32 years of practice, I’ve settled more than 10,000 cases.

I know which tactics work against State Farm and which ones don’t.

I’ve secured over $15 million in settlements for my clients, and I’m not intimidated by State Farm’s size or resources.

When you’re fighting the largest insurance company in America, you need an attorney who has the experience, knowledge, and determination to go the distance.

Your Rights After a State Farm Denial

If State Farm has denied your claim, you have legal rights and options.

You have the right to appeal their decision with additional evidence.

You have the right to file a complaint with the Colorado Insurance Department.

You have the right to file a lawsuit against both the at-fault driver and State Farm if they’ve acted in bad faith.

Don’t let State Farm’s size intimidate you into accepting an unfair denial.

Every person deserves fair treatment after a car accident, regardless of which insurance company is involved.

Getting the Legal Help You Need

Fighting State Farm requires an attorney who isn’t afraid of their tactics and has the resources to take them to court.

I offer free consultations to discuss your case and explain your options.

I never charge for phone time or meeting time, unlike some other attorneys.

If you’ve been injured in a car accident and State Farm has denied your claim or made an unreasonably low offer, I’m here to fight for the justice you deserve.

Don’t let them convince you that your injuries are imaginary or that you don’t deserve compensation.

I’ve been battling insurance companies for over three decades, and I know how to get results.

Contact me today to discuss your case and learn how I can help you fight back against State Farm’s unfair claims practices.

Your case deserves the attention and aggressive representation that can make the difference between a denied claim and fair compensation for your injuries.