How Long Does It Take State Farm To Settle Claims in Dallas?

State Farm is a giant insurance company that handles millions of claims a year. For this reason alone, it might take some time to process your personal injury claim in Dallas, Texas through their bureaucracy. 

In addition to bureaucratic delay, there are other factors that matter; in fact, some of them are critical. Below is a list of some of them.

The Severity of Your Injuries 

Claims involving catastrophic or long-term injuries often take longer to process than others because they require extensive medical diagnosis and treatment. Some injuries, for example, might require multiple surgeries. 

The Complexity of Your Case

More complex cases require extensive investigations and take longer to settle. Complexity might arise for a number of reasons:

  • Multiple parties are involved in the case. This is particularly likely, for example, in truck accident cases.
  • Liability is in dispute, or more than one party was at fault. In a Texas two-party accident, for example, there can be a huge liability difference between 50% fault and 51% fault.
  • The subject matter of the case. Medical malpractice claims, for example, are inherently complex.

The more complex your case is, the more facts you have to prove to win. This is simply going to take time.

When You Reach Maximum Medical Improvement (MMI) 

MMI means that your medical condition has stabilized enough to allow an accurate estimate of your future medical expenses. Insurance companies will probably be unwilling to settle until you reach MMI. 

Despite this, some accident victims never reach MMI, but the insurance company still has to deal with them sooner or later. 

Evidence and Documentation

Evidence is what makes the difference between an unsupported allegation and a proven fact. The more evidence you have, the more quickly your case will settle. 

Effective evidence might include medical records, accident reports, and witness statements. You might even need an expert witness, even during settlement negotiations.


The back-and-forth ‘ping-pong’ nature of settlement negotiations can prolong the claim process, especially if the insurance company’s initial offer is low or your negotiation skills are lacking.

Insurance Company Tactics

Insurance companies are businesses, and they exist for one reason: to make a profit. They might use delay tactics or engage in bad faith tactics, such as refusing to acknowledge your claim or making extraordinarily low settlement offers.

A qualified personal injury lawyer will be aware of these tactics and can respond effectively.

The Quality of Your Lawyer

Hiring an experienced personal injury attorney can expedite the claim resolution process. Personal injury lawyers know how to handle insurance companies and push for timely settlements.

How Promptly You File Your Claim

Promptly filing the claim and providing all necessary information and documentation can help speed up the process. The statute of limitations deadline to file a personal injury claim is typically two years after the date of the accident, but there are many exceptions.

Policy Limits and Coverage

No insurance company will pay you a dime more than its maximum coverage limits. The specific terms of an insurance policy can affect how quickly you reach a settlement since higher-value claims typically require greater scrutiny.

External Factors

External factors such as the availability of witnesses, the workload of the insurance adjuster, and even ‘Acts of God,’ such as natural disasters, can impact the speed of claim processing. Indeed, in many cases, these utterly unpredictable factors can be critical to the timing of a settlement. 

A Trusted Personal Injury Lawyer Will Know How To Handle State Farm

Large insurance companies often disrespect claimants who represent themselves. But they know which local lawyers are the most successful, and there are tricks they might try on you that would not dare try on such a lawyer. 

Schedule a free initial consultation with a personal injury lawyer. And remember, under the contingency fee system that most personal injury lawyers use, you only pay attorney’s fees if you win.

Contact Our Dallas Personal Injury Lawyers at Jay Murray Personal Injury Lawyers For More Help

If you’ve been injured in an accident in Dallas, Texas, and need legal help, contact our Dallas personal injury lawyers at Jay Murray Personal Injury Lawyers to schedule a free consultation today.

Jay Murray Personal Injury Lawyers
2512 State St,
Dallas, TX 75201
(214) 855-1420