Auto Insurance Claims/Being sued


Jan 19 th, 2011 I reared ended a lady that had stopped suddenly for a herd of deer. We exchanged info after determining that there was no damage. Today I  was served papers that she is suing me  claiming back and neck injury. I know this is a scam but my question is. "Why is my insurance not handling this? Do I need attorney or just notify State Farm. I only have 30 days to respond to summons. Can she sue after all this time?

Sorry for the delay!  

Simply notify State Farm.  State Farm is required to defend you if you are allegedly at fault for damages.  If you fail to notify State Farm in a timely manner, they could void your coverage, so time if of the essence.  Get the suit paperwork in front of State Farm without delay.

It is questionable as to whether you are even liable in a case like this, and that is probably what is going on.  State Farm probably does not believe you were at fault and is refusing to pay for damages.  Just get your insurance on notice and look me up if you get lost!

I hope this helps!  Information is always free at Petty Details, LLC!

Justin Petty

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Justin Petty


Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.


Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

NASP (National Association of Subrogation Professionals) (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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