COVID-19 Notice: Malman Law’s staff is working at office & from home so that we can do our part to fight the spread of this virus within our community.

Learn more x
Free Consultations | Tap To Call Today: 1.888.625.6265

Speak to a Lawyer 24hrs a Day


Free Consultation, Call Now!


State Farm
Insurance Lawyers

Premier Personal Injury Attorneys
Schedule Free Case Review

Dedicated State Farm Insurance Lawyers in Chicago

Knowledgeable Attorneys for State Farm Auto Insurance Claims
Serving Illinois and Greater Chicago

At Malman Law, P.C., we are committed to fighting for injury victims’ rights, and we will do whatever it takes to ensure that you receive every penny you are entitled to as quickly as possible.

About State Farm

State Farm is far and away the largest auto insurance company in the United States, writing well over $30 billion in premiums. Although this insurance industry giant cultivates the image of a “good neighbor,” it operates under the same incentives as any other for-profit business does: The key to profit is maximizing revenues and minimizing expenditures, and injury claims are expenditures. Once you file a claim against State Farm, don’t be surprised to find them behaving less like a “good neighbor” and more like a competing business operating right next door to yours.

Third Party Claims Against State Farm

Most auto accident victims resolve their cases by filing third-party insurance claims against the at-fault driver’s auto liability insurance policy. State Farm will under no circumstances pay out beyond its policy limits, regardless of the value of your claim. Unfortunately, many at-fault drivers lack the personal financial resources to make up the difference between the value of your claim and the amount paid out by State Farm, forcing you to look for alternative sources of compensation (see below).

Uninsured/Underinsured Motorist Claims Against Your Own State Farm Policy

You may claim against your own State Farm uninsured/underinsured motorist policy if:

  • The at-fault driver’s liability insurance policy limits are not enough to cover the value of your claim (in this case, you will only be permitted to claim the increment that liability insurance didn’t cover).
  • The at-fault driver was illegally driving without liability insurance at the time of the accident.
  • You were the victim of a hit and run accident and the at-fault driver disappeared.

In all cases, you can expect State Farm to be looking for ways to reduce the value of your claim or deny it altogether. Unless you are an extremely skilled negotiator with expert knowledge of auto insurance claims adjuster tactics, you will be at a serious disadvantage without skilled legal representation by your side to protect your interests.

Common Insurance Company Negotiating Tricks

Insurance company adjusters are professionals at saving money for their employers, and most of them carry an invisible bag of tricks with them to any contact with an unrepresented claimant. Some of the most common tricks are:

  • Asking you to state exactly what time the accident occurred. If they can pressure you into a specific answer, such as 3:42 p.m., they can turn around later and suggest that you caused the accident by looking at your watch instead of keeping your eye on the road.
  • Offering a quick settlement before you know the full extent of your injuries, especially if you are under financial pressure. The insurance adjuster may even visit you in the hospital for this purpose.
  • Imposing an arbitrary settlement deadline on the assumption that you are unfamiliar with the two-year statute of limitations deadline.
  • Lulling you into missing the statute of limitations deadline though constant delays.
  • Convincing you that people with “good neighbors” don’t need their own lawyer.
  • Attempting to access your medical records for a “fishing expedition” looking for pre-existing injuries or anything else that might reduce the value of your claim. You would have to authorize this in writing, so don’t sign any medical records authorization unless you lawyer approves.
  • Asking for a recorded statement and then demanding that you answer trick questions.
  • Keeping you confused about the terms of coverage. Insurance policies are often written in “legalese.” Especially if you are a third-party claimant, don’t expect State Farm to translate the policy you are claiming against into plain English.
  • Attempting to blame you for the accident, either fully or only partially.
  • Convincing you that retaining a lawyer is too expensive. Malman Law will not charge you any legal fees unless we win a recovery for you.
  • Offering a quick but small settlement in exchange for signing a release of liability. This tactic can be disastrously persuasive if you are under severe financial or emotional stress.
  • Hiring an investigator to take misleading photos of you that could be used to indicate that you are lying about the extent of your injuries.
  • Blaming a third party for the accident.
  • Stonewalling you, particularly if you don’t have a lawyer.

These are only a few of the dozens of tactics commonly used by auto insurance companies to deny liability altogether or pay out a fraction of what a claim is worth. At Malman Law, we have seen it all many times before and we know how to protect you.

Frequently Asked Questions

Obviously, it is much easier to win a judgment or settlement against a drunk driver than against a sober one. Victory is not guaranteed in every instance, however, and just how much easier it is to win depends on various facts. Was the driver arrested for DUI at the scene of the accident? If not, you may have a hard time proving it. Even if you do, you will also have to prove that the driver’s intoxication actually caused the accident. While this is normally unproblematic, under certain circumstances it can be difficult to prove.

On the bright side, you could win a claim against an intoxicated driver even if he or she was acquitted in criminal court. The reason for this is that in a civil lawsuit (and by extension, a private settlement negotiations), you only have to prove liability by a more likely than not standard rather than the beyond a reasonable doubt standard used for a criminal prosecution. This means that you need only prove more likely than not that the other driver negligently caused the accident.

Under certain circumstances, you can sue the vendor who sold the drunk driver alcohol, although your recovery from the vendor would be subject to certain dollar limits.

A problem naturally arises if the other driver was uninsured or underinsured at the time of the accident, because you face the possibility of being unable to satisfy a judgment even if you do win the case. You may have several options, however, depending on the facts of your case:

  • File a claim against your uninsured or underinsured motorist insurance carrier, as described above.
  • Seek a settlement or judgment against the defendant driver in his or her individual capacity, if he or she has the resources to pay.
  • Sue the defendant driver’s employer, if he or she was on-duty at the time of the accident. Remember that most truck drivers are not the employees of the trucking company they work for  – they are considered “independent contractors.”
  • Sue the manufacturer of a defective automobile component (brakes, for example) that caused the accident.
  • Sue the city or state government if a defect in the road or a malfunctioning traffic light caused the accident. Certain limitations apply, however, when you file a claim against the government.

It depends on the nature of your injury and the possible relationship between the injury you are filing a claim for and your pre-existing injury. If you have chronic back problems, for example, and you claim a back injury in a vehicle accident, you can expect State Farm to question whether your current injury was caused by the accident or whether it was pre-existing. At the very least, you can expect State Farm to deny part of the claim based on your pre-existing injury.

Nevertheless, it is important to be honest about your injury right from the start, because it will not be helpful if you appear to be trying to hide something.

Not unless you have issued written permission, either in the form of an authorization to accept a settlement within certain specific parameters, or if you have medical problems that prevent you from making the decision of settlement yourself (a power of attorney in favor of your lawyer, which allows him or her to make settlement decisions on your behalf). A lawyer who accepts a settlement on your behalf without your consent can be subject to disciplinary action by the Illinois State Bar Association, and may even be barred from the practice of law.

  • Image
  • Image
  • Image
  • Image
  • Image
  • Image
  • Image
  • Image
  • Image
  • Image

Taking Decisive Action In Your State Farm Insurance Claim: Contact Malman Law

It is important that you get a skilled personal injury lawyer involved in your case as early in the process as possible in the process, so that you won’t make a mistake that could tie the hands of your lawyer even after you do secure representation. You don’t need to worry that you can’t afford us – if we take your case, we will waive all legal fees until and unless you actually collect a recovery. Call Malman Law today or contact us online so that we can discuss your case and advise you of your options.
Schedule Free Case Review

Why People Choose Malman Law

You’ll want your lawyers to be this good.
You’ll want our experience on your side.
  • Icon

    Credibility & Experience

    25,000+ Cases over 25 Years
  • Icon

    Track Record of Success

    25,000+ Cases over 25 Years
  • Icon

    Team of Litigation Lawyers

    25,000+ Cases over 25 Years
  • img

    They area very helpful and when it come to getting things done with your case I had the pleasureof working with Jason Kellerman he was awesome I highly recommend them.

    - Britany Weaver

  • img

    I’m very pleased to recommend Malman Law to my friends and relatives! I have to mention how efficient and professional in dealing with my case has been with everyone that I’ve been in contact with at Malman Law. Mrs. Sabo is outstanding as well as her secretary and assistant in responding quickly to any of my questions or concerns. This firm has gone above and beyond to keep me updated and get answers to my questions at any time, weekends included! Malman Law rules in my opinion!

    - Cheryl Wagemann

  • img

    I’ve been knowing about this Law firm for many years through friends, referrals & advertisements , never I thought I would need their services , because I believed things & situations don’t happen to me like this , long story short I was in situation that I needed help & advice!!! The right direction , I connected with the Firm & a very patient , understanding professional woman by the name of Margie assisted me in what I needed 🙂 Thank you I will refer as I was as referred as well This firm really does care !

    - Elvira G.

  • img

    I was rear-ended by a semi-truck on my way to work. I was transported to the hospital and my car was totaled. In the aftermath, Dan Petrich and Anna Schmidt from Malman Law helped me get set up with physical therapy and negotiated with the insurance companies to make sure the resulting settlement would cover my medical bills and a rental car until I could get a new car. I would highly recommend their services.

    would do everything they could for me.

    - Tony S.

  • img

    I contacted Malman Law go my work injury. So professional from my first phone call. Mr. Malman’s investigator, Dan, came right out to our home. Everything was explained in detail so I know what to expect during this process. I certainly recommend anyone ever in need of a personal injury lawyer to call Malman Law. Truly the best!! Thanks everyone!

    - Devin Jones

  • img

    Attorney Greg Lamorena was my lawyer when I slipped and fell. He kept me updated throughout the case and was always available to talk when I had questions. He is a great lawyer and could not be happier about my settlement!

    - Annie Ong

  • img

    Alexis was the attorney on my case! She kept me in the loop about everything with my case. If I had any concerns I was able to contact her and she’ll answer my questions right away. If your interested in working with Malman Law I would highly recommend Alexis she was GREAT. I would highly recommend Malman Law if you’re ever in need!

    - Eugenia Cathery

  • img

    They are so efficient and professional.Always available to help.Attoney Boyer was great and very good with my case.I really appreciate mailman law firm. I gave them 5 star because there is nothing higher.

    - Omolewa Snyder

  • img

    I have had an amazing experiences with Malman law so far. From the start Dan was super easy to work with, got me the medical attention I needed and fast. Couldn’t ask for better communication. Neil Kilcoyne has been nothing but the best I could not recommend a better attorney. Malman Law is a 10 out of 10 law firm.

    - Trevor Harris

  • img

    Hi I just want to acknowledge Jay McCarron, Kelly & the Firm at Malman Law for representing me as they continue to work on my case. Thanks for keeping me updated & responding quickly to any of my questions or concerns. I would Highly recommend you and your firm to friends & family. E. P.

    - Ernest Pitts

  • img

    Alexis was the attorney on my case and she was GREAT. She made sure I was updated on everything about my case. I would highly recommend Malman Law if you’re ever in need.

    - Ariel Fleming

  • img

    I had the best experience with Jason and Jay attorneys from Malman Law they really went all the way to settle my case I’m telling you there just the best!! Recommend 100%!

    - Carmen Rivera

  • img

    Adam Meadow acted as the attorney for a family member who was in a car accident. He was highly personable and actively listened to our issues throughout the litigation process. He was able to get us a settlement for the repairations of the accident. We would recommend their services!

    - Greg Gustafson

  • img

    Excellent customer service and great experience. Malman law handled the whole process and it was very smooth. The settlement was a great success. I would choose malman law again in the future.

    - Malak St.Clair

  • img

    Helped me out of a big jam when my auto was hit twice when and the other drivers had no insurance. Adam Meadow is the only Lawyer I will call for helping me an my daughter.

    - Devri Lott

  • img

    I cannot give enough praise to the team at Malman Law, for helping with my case . My children were involved in a auto collision and the attorney Adam along with his paralegal Michelle worked diligently until the matter was resolved and my entire family was happy. I would definitely recommend Malman Law for anybody going through legal troubles.

    - Adrian Lopez

  • img

    A close friend recommended me to Malman Law. I currently have a case with them due to a car accident I had and ever since the accident they have been taking care of everything for me without me having to worry about anything. They took care of the medical bills & helped me get physical therapy right away. I highly recommend them.

    - Vanessa Leon

  • img

    Bella Feinstein, Jason Kellerman, and Terry Davey, have been instrumental in helping me though many difficult situations. Not only did they work to get my mom a settlement, they have continued to help me through the legal process of relocating my mom to a different state. I’m very grateful for their hard work and good advice.

    - Nyah Vuljanic

  • img

    This law firm is the best they got me paid and meymen law kept in constant communication with me which meant a lot to me I would highly recommend this law firm to anyone who. In the position they are awesome sincerely. Jeff walker

    - Jeff Walker

  • img

    Mr. Kellerman of Malman Law shows compassion for his clients. Returns calls and emails promptly, takes time to listens to his clients and gather facts accordingly.

    - Steve Acosta

  • img

    Everyone at Malman Law made me feel welcomed and heard. My lawyer, Adam Meadow, as well as staff kept me up to date and were more than happy to do so! I would highly recommend their services. Also- a plus is many employees are fluent in Spanish. My experience was easy and worthwhile.

    - Adrianna Gomez

  • img

    Dan Petrich was the best man for my case of falling through my porch of a apartment I rented. He made sure I got what I deserved not only $ wise but medical wise and that my hospital bills and Dr bills were left at a $0 balance before closing my case. I was definitely happy and glad I choose him. Thank you. 5 stars

    - Jose Cruz

  • img

    Steve Malman helped me with my auto case. He quickly responded and answered any and all the questions I had. My case was a success as well as 2 other family members I recommended to him won their cases as well. Definitely a 5 star!

    - Meagan Cruz

  • img
    Malman Law goes above and beyond handling your legal injury case needs. From the first appointment through to the ending verdict my sister and brother in law were very happy with their case results. Highly recommended!

    - Eddie Villarreal

  • img

    I am very impressed with Malman Law and my experience with Tiffany Alberty. She was very professional and knowledgeable. I appreciate the great communication and never felt out of the loop. She was very patient and hard working on my case. I would highly recommend this firm. Thanks for the hard work and all your help!

    - Madissen Miller

  • img

    Malman Law is definitely professionals and skilled at what they do. Mr. Adam Meadow always kept me informed and never hesitated to answer my questions and was open to hearing my concerns. Wouldn’t think twice about referring them to family and friends. Thank you to all at Malman Law!

    - Christina Ocon

  • img

    Mailman Law, Excellent firm!! Tiffany Alberty and her assistant Margie Gallegos were super efficient and knowledgeable. Great communication—very quick response and great follow up! My case was resolved sooner than expected. I highly recommend them!

    - Adriana Martinez

  • img

    So glad I contacted malman law regarding my accident. Professional and caring. Thank you Mr Malman. I most definitely recommend to anyone if you need the best to call Malman Law!!!

    - Virgil Sanner

  • img

    I really appreciated and enjoyed Yennin Calderon’s service. I called asking questions and she was so helpful. Not only did she answer all my questions and concerns. It was also a bonus that she was bilingual in Spanish! Loved the warmth she brought. Thank you!

    - Jazlyn Caraballo

  • img

    My experience with Malman Law was great. I worked with Attorney Tiffany Alberty and her assistant Margie. Both communicated what was going on with my case, explained next steps and got my case to resolved early. I would highly recommend Malman Law.

    - Ashley Jenkins

View more testimonials

What’s your case worth? Submit for a free case review


2 years ago I was involved in a trucking accident involving a 14-wheeler truck that nearly disabled me for life. Steve fought to make sure that I received the most possible compensation for my injuries. I was about to take the insurance company’s lowball offer, but decided to call Steve first – it was the best decision I’ve made yet

NOAH TAFFELPersonal Injury Victim