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Get More Money: GET MORE MONEY: 3 Things You Need to Know about the Amica Mutual Insurance Claim Process

And One Sure Way to Get the Most for Your Personal Injury Claim

A Guide to Getting a Higher Settlement from Your Insurance Company

Established in Providence, Rhode Island in 1907, Amica is America’s oldest mutual insurer of automobiles. The name “Amica” is an acronym for “Automobile Mutual Insurance Company of America.” In addition to auto insurance, Amica also offers homeowners, personal excess liability and marine policies.

Amica’s website says their mission is “to create peace of mind and build enduring relationships.” To Amica’s credit, consumer watchdogs tend to give this insurer pretty high ratings. Like all insurance companies, though, they’re in business to make money and there is no shortage of policyholders complaining about Amica’s service and the settlements they were offered.

Amica Mutual Insurance doesn't care about their customer's "peace of mind" when money's on the line.

Amica Mutual Insurance doesn't care about their customer's "peace of mind" when money's on the line.

Get the settlement check you deserve

Make the Most of Amica Mutual Auto Insurance Claim SettlementsIf you’ve been injured by an uninsured driver, you have every right to be reimbursed for the expenses you’ve incurred. Although insurance companies have a legal and moral obligation to settle claims fairly and promptly, it rarely plays out this way.

Your best chance of getting the settlement you’re owed is to have an experienced Milwaukee car accident attorney represent you. Warshafsky Law has been tangling with insurance companies for decades, so we know all the dirty tricks they use to delay and deny payment on claims. If you want to get what you’re owed, get a personal injury attorney at Warshafsky Law to represent you for your auto accident lawsuit.

6 Wisconsin Car Accident Laws with a HUGE Impact on Your Claim


When 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 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.

#1.The Insurance Claim Process: Dealing with the Amica Auto Insurance Claims Adjuster

As soon as possible after an accident, you need to file a claim for your losses. You can file online, over the phone, or with a mobile app. After you’ve submitted a claim, you’ll be contacted by phone by a claim services representative.

This conversation you have with the claim services rep will likely be recorded, so you need to be careful what you say. Any statement that could implicate you as partly responsible for the accident will be used as justification for minimizing, or even denying, your claim settlement.

Key points to keep in mind to protect your rights during the claim process:

Don’t admit fault or volunteer information.

Whatever you do, don’t say anything like “I should have been going slower,” or “I was probably following too close behind the other car.” Statements like these give an insurance company all the ammo they need to limit or deny your claim, and you can bet they’ll use it.

Besides getting your side of the story on your accident, the Amica claim representative will read the police report and witness statements, review video footage from nearby cameras (if any exists), and look into anything else that occurs to them.

Before you talk to anyone at Amica, make sure you have a copy of the police report on your accident. Look it over carefully to see if there are any inaccuracies that could implicate you as being partly responsible for the accident. If there are, contact the police department and request an addendum to the report contesting those inaccuracies.

If you’re asked to sign a medical records release form, don’t do it until you’ve consulted an attorney

Insurance companies routinely ask for a medical records release to verify the extent of your injuries. However, a signed release form gives them carte blanche to look into your entire medical history. It’s not uncommon for them to find an unrelated medical issue from your past and make the argument that it was a contributing factor in your accident—thereby giving them justification for denying your claim.

Don’t sign any medical records release form without first consulting an attorney. A good lawyer can arrange to turn over the medical records relevant to your accident injuries—and nothing more.

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#2.Handling a Amica Insurance Claim On Your Own

In reality, insurance companies rarely ever move quickly to get claims settled. They have all kinds of delay tactics to grind you down to the point you’re ready to take whatever settlement they offer just to get the whole thing over with.

The only way you’re going to get a fair settlement in a timely manner is with a personal injury attorney fighting for you. If you’re stubborn enough to try handling your claim on your own, here are a few pointers:

The settlement check they sent you is just an offer to settle

After the Amica claim adjuster reviews your claim, a decision will be made on how much to pay. You’ll find out what they’re offering when you get a check in the mail. It’s almost always less than expected. Although it can be tempting to run out and deposit the check so you can start paying off your medical bills, don’t do it. Once you deposit the check, you’re barred from negotiating for more money. Their check is really nothing more than offer to settle. The amount can be negotiated, but if you endorse the check you’ve essentially said “I accept this offer.”

Be aware of Wisconsin’s statute of limitations on personal injury claim suits

In a dispute with an insurance company, you have one weapon: the threat of a lawsuit. However, you only have three years from the date of your accident to exercise this option. If three years go by and you haven’t filed suit against your insurance company, you lose the right to file a suit. Keep an eye on the calendar, because three years can go by faster than you might think.

When your insurance company says there’s no need to get lawyers involved, there is

At some point you’ll likely get fed up enough to blurt out: “Do I have to get a lawyer to get this resolved?” Your claims rep will assure you there’s no need for that. But think about it: Amica has an army of attorneys looking out for their best interests. Why shouldn’t you have one looking out for yours?

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#3.5 Do’s and Don’ts to Increase Your Amica Auto Insurance Personal Injury Settlement
Jump to: Keep your cool. Document all expenses, Get medical care, Don't sell yourself short, Hire an attorney

DO your homework

The more you know about the claims process, the better off you’ll be. At least familiarize yourself with the most common insurance company tactics used to minimize your settlement. It’s less likely you’ll be played for a sucker if your insurance company sees you know something about the claims process.

DO the math

Document all the expenses you’ve incurred due to your accident-- hospital bills, doctor appointments, bandages, crutches, pain medications, even your mileage to and from doctor appointments. You’ll also need a record of the days you couldn’t work because of your injury.

Expenses to consider when calculating the value of your claim:

•   Property damage
•   Car rental
•   Deductible
•   Hospital deductible
•   Prescription drugs
•   Chiropractic care
•   Pain and suffering
•   Lost wages
•   Future medical expenses
•   Subrogation

DON’T be pressured into anything.

As the bills pile up, creditors will start calling. You’ll probably be tempted to deposit the settlement check your insurance company sent. Don’t! If your claim is legitimate and you have documentation for all your expenses, you have a right to be fully compensated. The best way to expedite the process is with an experienced personal injury attorney representing you.

DON’T trust “sign and settle” lawyers

Most personal injury law firms boast about settling thousands of personal injury cases. Sounds great, but these law firms are nothing more than “settlement mills.” They just want to cut a deal with the insurance company as quickly as possible so they can take their cut of the settlement and move on to the next client. Insurance companies know these firms will never take them to court, so they get away with lowball offers.

DO get the opinion of an experienced personal injury attorney

Even if you’re determined to handle your claim by yourself, at least take advantage of the free initial consultation offered by most personal injury law firms. At Warshafsky Law, you’ll meet with an experienced personal injury attorney—not a paralegal. You can count on getting an honest assessment of the strength of your case and how much your claim is worth.

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#4.Get Fair Compensation for Your Amica Auto Insurance Claim

The best way to get everything you’re owed is to have an experienced personal injury lawyer representing you. Insurance companies know our reputation, and when they find out we’ve been retained one of two things happens: 1) Fearing a huge loss at trial, the insurance company acknowledges what your claim is really worth and pays out, or 2) The insurance company refuses to be reasonable and we take them to court to get what you’re owed.

Warshafsky Law represents Amica Auto Insurance policyholders nationwide

Although Warshafsky Law is based in Milwaukee, we represent clients all over the US. If you’re outside of the greater Milwaukee area and unable to meet with us in person, you can schedule a free consultation over the phone. With Warshafsky Law, you’ll owe nothing until your claim is settled and you have received compensation, and our No Win, No Fee policy ensures you risk nothing by hiring us. If we don’t win for you, you don’t owe us a thing.

INJURED? It IS About The Money.®

Get a Contact Warshafsky Law for a FREE case assessment
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Milwaukee Personal Injury Attorneys

Krista G.

Warshafsky is a based-in-Milwaukee personal injury law firm serving the injured since the 1950s.

Warshafsky has brought hundreds of successful lawsuits against auto makers, drug companies and insurance companies. Many clients choose us in part because we are able and willing to fund a case fully through trial and even appeal. Insurance companies value your claim based on the quality of your lawyer. No other Wisconsin law firms boast a board-certified accident investigator and a doctor who is also a lawyer and an attorney who represented insurance companies.

We collect NO payment until you receive compensation.
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