--- description: State Farm Insurance Company Pays $100,000 More Than Its Policy Limits title: State Farm Insurance Company Pays $100,000 More Than Its Policy Limits image: https://www.chaikinandsherman.com/wp-content/uploads/2025/07/Screenshot-2025-07-30-at-3.17.41 PM.png --- [ Back to CSCS Blog ](https://www.chaikinandsherman.com/blog/) # State Farm Insurance Company Pays $100,000 More Than Its Policy Limits [Home](https://www.chaikinandsherman.com/) » [Recent Posts](https://www.chaikinandsherman.com/blog/) » State Farm Insurance Company Pays $100,000 More Than Its Policy Limits * [ July 31, 2025 ](https://www.chaikinandsherman.com/blog/2025/07/31/) * [Newsletter](https://www.chaikinandsherman.com/blog/category/newsletter/) The law firm recently settled an underinsured motorist case against State Farm Insurance Company (“State Farm”) for $400,000\. An underinsured motorist case exists when the victim of a car crash has injuries that are worth more than the at-fault driver’s insurance policy. In that situation, after we collect the full policy limits from the at-fault driver’s insurance coverage, we can make a claim for underinsured motorist coverage against our client’s insurance company. Our client suffered multiple rib fractures, an elbow fracture, and an ankle fracture. The at-fault driver’s insurance company paid their full policy of $100,000\. We then made the underinsured motorist claim against State Farm. We demanded that State Farm pay their full policy limits, which we believed to be $400,000\. After extensive negotiations, State Farm finally agreed to pay $400,000. That is when the plot thickens. After we accepted the $400,000 on behalf of our client, State Farm claimed that they had made a mistake, and that their policy only provided coverage of $300,000, and refused to pay the agreed upon settlement of $400,000. Senior Claims Manager Melonie Mills had documented the file to perfection to prevent the insurance adjuster from escaping its agreed upon obligation. At one point in the negotiations, the insurance adjuster had written a letter claiming that the insurance coverage was $300,000, even though she had previously advised us that the policy limit was $400,000\. Ms. Mills immediately e-mailed the adjuster that she was mistaken, and confirmed that we had been advised the coverage was $400,000\. The insurance adjuster did not respond to Ms. Mills’ e-mail but later offered $400,000\. Our client accepted the $400,000 offer, and Ms. Mills promptly confirmed his acceptance, in writing. But then, State Farm withdrew the offer. Partner Allan M. Siegel negotiated with multiple supervisors, moving up the corporate chain, until he could get someone who had authority to authorize a payment over the policy limits. Armed with the paper trail, so professionally created by our Senior Claims Manager, extraordinaire, Melonie Mills, Mr. Siegel was able to convince State Farm to capitulate and pay the full $400,000\. This was the first time in the history of the firm that an insurance company paid a settlement in excess of the policy limits, without litigation. [Contact Chaikin, Sherman, Cammarata & Siegel, P.C.](https://www.chaikinandsherman.com/contact-us/) by phone at (202) 659-8600 to get started with your personal injury claim. Find Something Interesting? Share This post Facebook X LinkedIn Email Print ![]() ## Get free advice about the compensation you deserve. At Chaikin, Sherman, Cammarata & Siegel, P.C., our car accident attorneys fight tirelessly to secure the compensation you deserve, handling every aspect of your case to protect your rights. Trust us to stand by you and advocate aggressively on your behalf. [ Speak to a Specialist ](#) ![]() #### In This Post ## Contact Us Today! "\*" indicates required fields Name\* First Last Name\* Last Email\*\* Phone\* Are you a new client?\* Are you a new client? \*Yes, I'm a potential new client.No, I'm a current existing client.I'm neither Case Type Case TypeMotor Vehicle AccidentSlip & FallAssaultMedical MalpracticeAbuseWork InjuryOther Were You at Fault? Were You At Fault?NoYesUnknown Where Did The Incident Occur? Where Did The Incident Occur?Washington, D.C.VirginiaMarylandOther Did The Accident Occur In the Last Two Years? Did The Accident Occur In the Last Two Years?YesNo Share Brief Description of the Incident\* ## Recent Posts [Joseph Cammarata](https://www.chaikinandsherman.com/blog/author/jcammarata/ "Posts by Joseph Cammarata")03/10/2026 WASHINGTON, D.C. — Chaikin, Sherman, Cammarata & Siegel, P.C. is... [Read More](https://www.chaikinandsherman.com/blog/2026/03/partner-joseph-cammarata-selected-for-the-virginia-lawyers-hall-of-fame/) [Mike Hanson](https://www.chaikinandsherman.com/blog/author/mike-hanson/ "Posts by Mike Hanson")01/06/2026 WASHINGTON D.C. — The legal team at Chaikin, Sherman, Cammarata... [Read More](https://www.chaikinandsherman.com/blog/2026/01/joseph-cammarata-seeks-justice-for-catastrophically-injured-clients/) [Allan Siegel](https://www.chaikinandsherman.com/blog/author/asiegel/ "Posts by Allan Siegel")12/23/2025 Chaikin, Sherman, Cammarata & Siegel, P.C. is pleased to announce... [Read More](https://www.chaikinandsherman.com/blog/2025/12/cscs-welcomes-associate-justin-wood/) [Allan Siegel](https://www.chaikinandsherman.com/blog/author/asiegel/ "Posts by Allan Siegel")12/23/2025 Partner Allan M. Siegel obtained over $1.9 million for individuals... 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