GET MORE MONEY: 3 Things You Need to Know about the Acuity Claim Process
And One Surefire Way to Get the Most Out of Your Personal Injury Claim
This Practical Guide Could Help You Get a Higher Settlement from Your Insurance Company
Located in Sheboygan, Wisconsin, Acuity is a small-town insurance company with a network of 25,000 independent agents in 25 states nationwide. A fast-growing company, Acuity Insurance brought in over a billion dollars in revenue in 2016.
Acuity Insurance claims its employees, workplace culture and community involvement make it different. But one thing every insurance company has in common is making money—something Acuity is clearly very good at.
Warshafsky Law has a unique understanding of how insurance companies operate—and how insurers can hurt injured victims. Our legal team is made up of experienced Milwaukee auto accident lawyers including former insurance industry attorneys. When a claims adjuster says they’ll take care of you, proceed with caution.
How to Deal with Acuity Insurance Claims Adjusters when Reporting a Claim
Acuity makes filing a claim easy with a free mobile app, 800 number or online claim reporting, all available anytime, any day. Like most insurers, they make filing a claim fast and convenient, hoping you won’t realize it’s a lowball offer until your case has been crossed off their ledger.
During the claim process, you can expect a liability examiner to interview everyone involved in the accident and gather information any way they can, including:
- Pictures and measurements taken at the accident scene
- Police reports and statements from witnesses and passengers
- Various repair estimates
- Anything you say
If an adjuster calls you shortly after your accident, you are NOT obligated to give a statement. Be firm but polite, ask for a number and call back when you’re ready.
Never forget: insurers will track down any information they think they can use to deny, dispute or delay your claim and undervalue your pain and suffering. The bottom line is always saving their own money. The claims adjuster you speak to may sound like—and probably is—a nice person. But expressing concern and saying they’ll take care of you is more strategy than sympathy.
INJURED? It IS About The Money.®
Making an Acuity Injury Claim without a Lawyer
Before you decide to handle your claim on your own, make sure you understand the risks involved. The claims process has many pitfalls for the inexperienced, so be cautious and study up on the most common insurance company tactics used to minimize your settlement.
Helpful Tips When Handling an Insurance Claim on Your Own:
Keep your guard up.
It’s highly likely every phone conversation you have with anyone representing your insurance company is being recorded. A small inconsistency in your story or an innocent misstep can be used to dispute your claim.
Remember: everything an insurance rep or claims adjuster says or does is calculated to get you to accept less money.
Write it down.
Follow up phone calls with a short note confirming statements and promises made by the insurer. Communicate your actions with your insurer by letter or email. If the insurance company decides to later dispute the timeliness or accuracy of your submissions, you’ll have evidence backing you up.
Understand what you’re facing.
Negotiating a settlement with a huge insurance company isn’t like haggling over the price of a used car or talking your waiter into a free dessert. The rep you talk to isn’t alone—they’ve got legions of experienced professionals (including lawyers) and a powerful chain of command backing them up.
Keep an eye on the clock.
After a car accident there’s a statute of limitations on personal injury lawsuits. If time runs out, your ONE bargaining chip is gone. If you no longer have the option to pursue legal action to get a fair settlement amount, you’ll be stuck with whatever the insurance company wants to offer you.
After you’ve been injured in an accident, you have one shot at recovering the money you need to put your life back together. Your BEST chance at getting a fair settlement offer from Acuity is with an aggressive personal injury attorney on your side.
5 Ways You Can Increase Your Acuity Settlement Amount
Although hiring an experienced attorney is by far the best way to get the settlement you deserve, there are some things you can try on your own:
1. Be cool
No matter if the claim adjuster gives you a lowball offer or a runaround, always be calm and polite in your dealings with the insurance company. If you need to, ask to speak to a supervisor or different representative.
2. Do your homework
Prepare for negotiations by being able to explain the reason for your claim, and ready to show its value with specific information. Be sure to include evidence of pain and suffering.
3. Keep receipts
Hold on to every medical bill, car repair estimate, recent paystubs and even the mileage you put on driving to the doctor and back. Document anything and everything proving the value of your claim.
INJURED? It IS About The Money.®
4. Know what your injury claim is really worth
Some costs are easy to define, like hospital bills and prescription drug costs. Calculating pain and suffering and lost potential wages is much more difficult. There are even many types of damages you may collect in a personal injury lawsuit but may not be aware of!
Additional personal injury claim costs to consider:
- Property damage
- Car rental
- Hospital deductible
- Non-prescription medical expenses (bandages, braces etc)
- Chiropractic care
- Future medical expenses
5. Discuss Your Case with a Qualified Attorney
Going over your claim with an experienced personal injury lawyer is the best way to know if the value of your claim is in the right range. An attorney will also take on the burden of negotiations—in fact, once you hire legal representation all communication between yourself and the insurance adjuster must stop. A personal injury lawyer is a professional negotiator who may help you collect a much larger settlement than you were prepared to accept acting on your own.
Five years from now when your neck starts acting up again, you may regret signing away your right to further compensation for pain and suffering without getting professional legal counsel. To find out what your claim is really worth, contact an experienced attorney at Warshafsky Law today.
hen people choose their personal injury lawyer based on the endorsement of a football player or actor, they risk choosing an attorney who has never won more money or pain and suffering verdicts in a courtroom. Settlement mills forward your paperwork and take a cut of your damages.
Hundreds of times we have prepared cases like yours beyond the brink of trial. Facing unlimited liability AND an expensive jury trial, insurance companies fess up what your case is worth. They HATE when you choose Warshafsky. Insurance companies know: it IS about the money.
Tenacious Personal Injury Attorneys Protecting the Rights of Accident Victims
Insurance companies don’t rake in yearly revenue counted in millions and billions by paying out the full value of every claim without a fight. To get the money you’re entitled to for your injuries, you need a lawyer willing to go the distance—not a “sign and settle” lawyer cooperating with insurers.
Insurance companies will value YOUR claim based on the lawyer representing you. Warshafsky Law has a reputation for dragging insurers into costly court battles...and winning.