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Get the Compensation You Deserve from an Auto Club Insurance Association Personal Injury Claim

Personal Injury Attorneys Help Car Accident Victims Win Fair Compensation

Auto Club Insurance Association is one of the top 10 most popular auto insurance providers in Wisconsin. A subsidiary of AAA, they are worth an estimated 1.5 to 2 billion dollars. Like any other company, their top priority is to increase their profits. They achieve this by making money off of you.

When you’ve been in an auto accident due to negligence, the chance of you getting fair compensation without legal counsel is very low. That’s why it’s important to contact a Milwaukee car accident attorney immediately after the accident.

If you’re involved in an Auto Club Insurance Association injury claim after an auto accident, you need to contact an experienced lawyer immediately to fight for your right to fair compensation.

The personal injury attorneys at Warshafsky Law have years of experience in negotiations with Auto Club Insurance Association and countless other insurance companies. Many of our lawyers are former insurance agents, so they know the secrets to maximize the settlement amount for auto accident injury victims that other lawyers don’t.

Don’t Wait to Win What You Deserve

The statute of limitations for filing a personal injury claim in Wisconsin is 3 years. But don’t wait that long to get started. You need to find a personal injury attorney and file as soon as possible after you’ve been injured in a car accident. The longer you wait to make a personal injury claim, the more valuable evidence slips away. Medical records, eye witnesses, personal recollection & all other evidence will lose traction over time. That gives the insurance company more leverage for their own argument against you. Don’t wait to contact a personal injury lawyer from Warshafsky Law – call our law office in Milwaukee now!

Our Guide to Dealing with the Personal Injury Claims Process through Auto Club Insurance Association

1.You’ve been in an Accident. Now What?

Jump to: How Insurers Gather Information or Dealing with an Insurance Adjuster

Auto Club Insurance Association encourages you to contact them immediately after you’ve been the victim of an auto accident so they can provide prompt, courteous service. As former insurance agents, we know insurers at first seem very kind and helpful. That doesn’t change the fact that it’s a business first and foremost. If you contact Auto Club Insurance Association before properly collecting all evidence in your favor, you’ll get less compensation you’ll receive, and the greater their own profits will continue to grow.

Don’t be overwhelmed at the thought of collecting information. That’s our job. That’s why it’s important to NOT contact your insurance agency. Contact a personal injury attorney FIRST. We know exactly what information is needed to support a personal injury claim. The faster you contact us, the more information we’ll be able to use to ensure you win maximum compensation.

How Insurers Gather Information

It’s normal during the claims process with Auto Club Insurance Association for a liability examiner to interview everyone involved in the accident. They will also collect as much information as possible including:

  • police report
  • passenger and witness statements
  • photos and measurements from the scene
  • researching repair estimates
  • ANYTHING you say

Legal counsel is extremely vital during this process. One wrong word and your settlement amount will plummet. One way they can easily win is if you sign medical authorization forms. Do not sign ANY document requested by Auto Club Insurance Association without first seeking a lawyer’s advice. They may make it seem like it’s a normal part of the process. It might be for their business. That’s how they keep making money off of people’s claims. Accessing your medical records gives them the right to use decades-old injuries or preexisting conditions against you in any way they see fit, whether those conditions have to do with your current injury or not. That’s one of the easiest ways for them to pay you as little as possible. 

Dealing with an Insurance Adjuster

Before you speak with an insurance adjuster, do your homework and stay calm. The more you know, the better prepared you will be. The best way to get prepared is by first talking to a personal injury lawyer with insurance agency experience. Adjusters are not your friend. The insurance company’s best interests are their priority. The whole purpose of their job is to make Auto Club Insurance Association as much money as possible. The best course of action is to contact an attorney and let them handle it from there. Whatever you do, NEVER admit ANY liability or fault in the presence of an insurance adjuster or representative.

2. Making an Injury Claim with Auto Club Insurance Association without a Lawyer

Jump to: Tips on Handling the Personal Injury Claims Process or Be Ready to Prove Fault

Before you contact your insurance company to file a claim, you need to do extensive research. You must be well informed on both your own personal case, and also the severe risks caused by filing a claim without an attorney’s guidance. Assume every phone call with your insurance company is recorded (because it likely will be). Even the most innocent inconsistency will be used against you and severely decrease your compensation.

Be Aware of Common Insurance Company Practices

It’s wise to get thorough information on the claims process before you go at it alone. Be cautious. Remember that the people you will be fighting against have done this every single day for years. This process plays a huge role in your financial wellbeing after an accident.  

Remember: an insurance representative will ALWAYS serve the company’s best interests. Warshafsky’s experienced personal injury lawyers serve YOUR best interests.

Tips on Handling the Personal Injury Claims Process:

  1. An insurance adjuster doesn’t decide how much you’re entitled to; they decide how much they’re going to offer you. A settlement check isn’t a definite statement of value; it’s just an offer. It’s the same as a business negotiation. The insurance company will say things like, “After a thorough investigation and using highly specialized software, we’ve determined the value of your claim,” to get you to believe it’s an official statement of value. Do not accept an amount that’s lower than what’s fair. They will try to low-ball you. Once you sign the check, you can NEVER pursue further compensation.
  2. Realize the insurance representative is trained & experienced. EVERYTHING they do is calculated. Don’t be surprised if you demand a certain settlement amount and the rep responds by saying they need to consider it and get back to you. Ending the conversation and wasting your time is one of many delay tactics insurance professionals use, hoping frustration and financial hardship will pressure you to settle for less. Don’t give in to their mind tricks.
  3. Put it in writing. When communicating with your insurance company, write a letter or send an e-mail to create proof of your actions. You may need it in the future if they dispute the accuracy or timeliness of your submissions. After speaking on the phone, send a short follow-up note to confirm the statements and promises made by the representative.
  4. You’re one individual up against a powerful chain of command. The insurance adjuster you first speak to could very easily have instructions preventing them from offering you more than a certain amount. Let’s say you ask for a supervisor. The supervisor has a unit manager – under a claims manager – who has a regional manager, and so on. And each boss of a boss has a playbook filled with strategies for convincing you to accept the smallest check possible. This is hopefully the only insurance claim you’ve ever had to deal with. It’s one of thousands for an insurance company. They do this every single day.
  5. Negotiating with an insurer isn’t like haggling at a car dealership. Insurance companies have legions of professionals (including attorneys) dedicated to limiting or eliminating your settlement. Your chance of arriving at a fair settlement amount is significantly higher when your claim is backed by the resources of an experienced team of aggressive personal injury lawyers.

Once you’ve made it clear you are going to stand firm in your settlement requests, insurance companies have countless “deny, delay and confuse” tactics they will use to make things extremely unpleasant for you. They’re aware of the financial difficulties people face after a severe accident. They know how desperate you may be with all the medical, emotional and personal expenses. You can’t afford to wait for a fair offer. They will use every tactic they have until you cave under the emotional and financial pressure and finally settle for a much lower amount than you deserve.

Claims adjusters’ tactics range from the annoying (losing your paperwork) to the serious, like using impossibly obscure and confusing terminology as a reason to deny your claim. Some adjusters will even try to scare you by threatening legal problems if you talk to a lawyer. The irony is that your adjuster has dozens of lawyers helping them come up with these tactics in the first place.

Be Ready to Prove Fault

It’s extremely important in a personal injury case to determine liability. This will make or break the outcome of your claim. It will benefit you if it’s objectively clear who was at fault. Unless it’s 100% clear who was at fault, your chances of receiving the compensation you deserve deteriorate fast. You need to know the laws and be able to prove exactly why the other person was at fault. Never admit you were at fault

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

Injured? It IS About The Money ® Injured? It IS About The Money ®
Injured? Take Action

3. How to Increase your Settlement Offer from Auto Club Insurance Association

Jump to: Knowing What Your Claim Is Worth

When it comes to disputing a claim settlement, the attorneys at Warshafsky Law want to make it clear that your best bet is to get an experienced personal injury lawyer to do it for you. It is incredibly rare forany insurance agency to be persuaded by the victim to make changes to a settlement offer in their favor. If you decide to forgo hiring an experienced personal injury lawyer, here are some tips for going against the insurance company:

Be prepared.

You cannot dispute a claim by using abstract arguments you come up with on the fly. The more specific you are, the better. State every piece of information you have, piece by piece, as thoroughly as possible. The insurance adjuster most likely already knows everything you’re talking about, but if you come in with every miniscule detail already covered, you are demonstrating your knowledge of the claims process. You can prove to them  you know what you’re worth and will not back down until you receive rightful compensation.

Document every penny you spend as a result of your accident.

There is no bill too small to be important for your accident. The more evidence you can collect to prove financial and emotional hardship as a result of the accident, the better. There may be things you won’t even think to consider using. A personal injury attorney can help you remember what documents to save, including:

  • Medical bills
  • Written repair estimates for vehicle damage
  • Receipts for prescription drugs
  • Your car’s mileage for doctor visits
  • Paystubs before the accident
  • Therapy bills

Remain calm.

State the minimum you’re willing to settle for. The adjuster WILL try to low-ball you. It’s the first tactic they instinctively go to during negotiation. Sometimes they don’t even have a choice. Many insurance companies require a lawsuit to go above a certain amount. If the process gets frustrating, do not lose your cool. Any kind of anger or outburst will be used against you.

Don’t sell yourself short.

We’ve already talked about the tactics adjusters will use to try to convince you to settle for less than you deserve. Don’t give in. The process is exhausting and nearly impossible to navigate on your own, especially on top of the financial and emotional stress you’re already under.

It’s imperative you remember the statute of limitations. Delay tactics don’t just work in the adjuster's favor by getting you to cave. They also use those tricks to buy time until time runs out, and you have no choice because it’s too late to file a lawsuit. NOW is the time to take legal action.

Consider hiring an attorney.

Our experienced lawyers at Warshafsky Law have done this countless times before. We know exactly how much your claim is worth, and we have experience dealing with adjusters. You may be just another thing to cross of their to-do list, but they’re just another thing to cross of ours.

INJURED? It IS About The Money.® Get MORE MONEY for Your Claim. Bring in the BIG DOGS

Insurance adjusters deal with cases like yours every day. If you go up against them on your own, they already have a leg up, on top of the fact that you’re stressed, exhausted, and experiencing emotional turmoil. Not only can a personal injury attorney help take the burden off your shoulders, but they can also assist in communication between you and the insurance company.

Knowing What Your Claim Is Worth

Damages such as repair costs, medical bills, and similar data are easy to calculate. Others are not as easy. Proving the worth of lost wages, future earning potential is more complicated. Pain and suffering or mental anguish is nearly impossible to prove on your own because they defy an exact numeric calculation. Proving the exact worth of your claim is easier when an experienced legal team does it for you.

We understand the way insurance companies think, because our legal team includes former insurance industry attorneys. Not only do we know insurance companies, they know Warshafsky Law. Insurers value your claim based on the quality of your lawyer, and we have a reputation for preparing each and every case we take to win at trial. When you’re represented by Warshafsky, your insurance company will notice.

Experienced Personal Injury Lawyers Know How to Win Auto Club Insurance Association Claims

It’s an insurance company’s job to make as much money off of you as they can. No matter how kind they may seem, you’re just part of their bottom line. Your personal injury claim is not personal to them. It’s business, nothing more.

Since the insurance company isn’t going to play nice, neither should you. You need an attorney who’s willing to influence the way they treat you. The personal injury attorneys at Warshafsky Law have a reputation that forces insurance companies to take us – and you – seriously.

Unlike other law firms, we don’t just cooperate with as many “sign & settle” cases as we can. We take each case as seriously as you do. Our determined lawyers go above and beyond to ensure your insurance company compensate you for ALL damages, not just the bare minimum. We know how much financial and emotional stress this process will put you under. That’s why we operate under a no win-no fee policy, and don’t collect any fees until you’ve received the compensation you deserve.

INJURED? It IS About The Money.® 

Contact our personal injury law firm for a free case appraisal on no-win-no-fee legal representation.