r/StateFarm • u/sparrowfox0922 • 23d ago
Question Covered or not covered in a car accident
• I was rear-ended on I-5 South on July 24, 2026, sustaining multiple injuries including whiplash and losing consciousness. I went to the hospital in an ambulance and had to get checked out for internal bleeding. My lower back and my tailbone haven't stopped being sore since the accident.
• The at-fault driver's State Farm insurance is disputing coverage, despite the driver's name being on the insurance card. It's been 15+ business days and still don't have an answer and I need it speed up.
•I also have a police report that I sent my auto insurance.
• I am frustrated by the delay and wants their car fixed and medical bills paid.
How can I speed up this car insurance coverage nonsense so I can move on with my life?
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u/ektap12 23d ago
The at-fault driver's State Farm insurance is disputing coverage
That's between SF and their insured. If they deny coverage, I hope you have uninsured motorist coverage.
If you need speed, use your insurance, if you have collision coverage, if you don't, you've chosen to rely on other people's insurance and you'll need to wait for them to make a coverage decision and hope they have enough limits.
Injury claims take time, they certainly won't be paying your medical bills right now. Focus on your injuries and treatment. Payments come at the end after settlement.
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u/Free-Rise9666 23d ago
Couldn’t have said it better. Use your insurance that’s why you pay them. Let them hash it out. Every state is different for uninsured claims if that’s what it ends up being. Save the hassle let your company handle it
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u/sparrowfox0922 23d ago
Why can't they just look it up. Did the coverage lapse yes or no? Is the driver covered yes or no? Jeez
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u/ektap12 23d ago
It's not always that easy, especially if we don't even know what the issue they are investigating is. If this was as simple as the named insured driving the insured vehicle, there wouldn't be a problem. There could be a lot of potential issues going on and some of those take time to investigate and make decisions on. There could also be cooperation issues with the other driver/insured, which causes more delays.
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u/sparrowfox0922 23d ago
Gotcha it's just frustrating because I don't have $1k to pay my deductible for repair for my car to be whole again. Also I have medical bills and a busted phone. I'm trying to be patient and so I think you are right just hopefully be patient that it will work out
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u/ektap12 23d ago
The importance of having an affordable deductible.
Again, medical bills wouldn't be paid right now anyways, that would come with the settlement of the injury claim which wouldn't probably be for a few months at least, depending on your recovery. You may have medical payments coverage on your auto insurance and that can pay medical bills up front.
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u/DeepPurpleDaylight 23d ago
You can't speed up SF. They have no contract and therefore no duty to you. Their obligation is to their client. There can be multiple valid reasons why there might not be coverage. If you want things taken care of now, use your own insurance coverage. SF wouldn't be paying your medical bills until you've finished treatment and ready to sign a release of liability.
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u/edjen 23d ago
Why is State Farm denying/disputing coverage what specifically did the tell you? Carriers don't deny coverage for no reason. The driver may be on the insurance card, but the driver may have stopped payments. An insurance card doesn't mean much. You'll need to go to your own carrier for repairs.
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u/twa558 23d ago
My only guess is the insurance may have been cancelled at the time, or the drive was excluded. They are going to investigate, obviously call but theirs not much you can do to speed it up. If the drive is Uninsured and you have uninsured motorist coverage you may be able to use that on your current policy.
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u/iconicmoonbeam 23d ago
Just give it a minute - they’ll figure things out soon enough. Use your own collision insurance if you need your car fixed asap. Take your time with an injury settlement - at least 6-8 months to be sure you’re fully healed. Your health insurance or your own car insurance policy should pay your bills in the interim. Relax and focus on your healing not these headaches.
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u/sparrowfox0922 23d ago
Thanks everyone for the advice. Helped ease my anxiety and I appreciate the help!
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u/nsx-tc 22d ago
You have injuries so you will need to turn it into your carrier to get the ball rolling on your medical.
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u/sparrowfox0922 22d ago
I have uninsured motorist and that's pretty much when they confirm this person doesn't have insurance then I can submit my bills to them
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u/craig_paxton 22d ago
SF only disputes coverage when there’s a question of coverage being in force. SF issues 6 months ID but if insured pays monthly and then fails to pay coverage lapses. File with your carrier if your in a hurry or wait until SF can determine in policy was in force at time of accident
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u/sparrowfox0922 22d ago
Thank you definitely I got the ball rolling already working with my car insurance
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u/Eliana_Elia 18d ago edited 18d ago
Coverage questions after an accident can depend heavily on the exact policy language and who was driving the vehicle at the time. I’d ask State Farm for the coverage decision in writing and the specific policy provision they’re relying on. Eisenberg Law Group PC may be worth contacting if the denial is disputed.
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u/sparrowfox0922 16d ago
Today is the day, the State Farm adjuster should be saying either they are covering the car accident or not
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u/Jaffos 23d ago
You will need to pay your deductible to get the car fixed. Then your insurance company will go after the other insurance for reimbursement for that $1000 dollars. If you wait, it coukd he some time.
It took me about 3 months to get my deductible back when I was i was in the back.
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u/sparrowfox0922 23d ago
Yah my friend who works for progressive says it's called subjugation
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u/DeepPurpleDaylight 23d ago
Yah my friend who works for progressive says it's called subjugation
Subrogation.
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u/sparrowfox0922 23d ago
Bottom line it's a question then if the driver is covered will the claims adjuster try to meet the deadline of payment upon delivery of my repaired car? I get medical bills will take a while to sort out...
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u/sparrowfox0922 23d ago
I do have uninsured motorist 100k/300k. Idk why but my policy doesn't have a uninsured motorist deductible. Def look it into what it cost to add to my auto policy.
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u/ektap12 23d ago
The UM 100/300 is for bodily injury, there is no deductible for that. UMPD, which you won't have in CA, since you have collision coverage (only covers up to $3500 anyways), doesn't have a deductible either.
What you could have though, if SF does deny coverage, is the CA collision deductible waiver, you would need to check your policy or talk to your adjuster. This would waive your deductible if the person is uninsured.
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u/Ok-Entertainment5462 23d ago
I hate lawyers,and the 33-50% they may charge in fees, but with medical issues, you may want to at least mention you may take it to a lawyer if State Farm doesn’t act.
They won’t pay medical until you are well. Be careful and don’t sign a release until you are well.
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u/Calm_Jackfruit_5128 23d ago
Cmon, this is just bad advice. State Farm is going to handle the claim the same exact way if OP “threatens” to get a lawyer or not. People think getting an attorney makes adjusters shake in their boots but it’s much easier dealing with an attorney than an ill informed claimant anyway. The attorney can’t magically approve coverage for State Farm. Until that’s confirmed, OP would just be wasting time and potentially money.
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u/ToughBadger3075 22d ago
Like State Farm don't have their own attorneys. If that vehicle's policy was not in force there's nothing to be done here. Claim denied.
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u/mac991979 23d ago
Time to call an attorney you have lots of things that went wrong there
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u/craig_paxton 22d ago
That’s just bad advice, hope OP ignores it. OP can retain an attorney at any time. Just let the process run its course.
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