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GET MORE MONEY: 3 Things You Need to Know about Erie Insurance Claim Process

Personal Injury Attorneys for Erie Insurance Claims Get Bigger Settlements for Car Accident Victims

A Guide for Getting a Bigger Settlement Check from Your Insurer

Erie Insurance is a national insurance company offering Auto, home, business and life insurance. It consistently has a place on Fortune magazine’s Fortune 500 list of the largest companies in the US. The company was started in 1925 by two insurance company men with a vision to create an insurance company that put customer service above everything else.

On their website, Erie Insurance says their business is “rooted in the principles of honesty, decency, service and of course, affordability.” Erie claims to be “committed to a culture of service” and to following the golden rule of treating others as you would want to be treated, but it doesn’t take much searching online to find there are plenty of Erie policyholders with complaints.

If you’re filing an Erie Insurance injury claim after a car accident, an experienced attorney will protect your right to fair compensation.

Warshafsky Law has extensive experience negotiating higher settlements for auto accident injury victims. With attorneys on staff who have worked for insurance companies, we know exactly how insurance companies operate and how to deal with their tactics.

 INJURED? It IS About The Money.®

Warshafsky Law Firm - Milwaukeehen 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.

Our Definitive Guide to Erie Insurance Claims:

1.How the Erie Insurance Claims Process Works

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Speak with our experienced personal injury attorneys before speaking with the insurance adjuster.

While most insurance companies have embraced the Internet for filing claims, Erie Insurance offers just two options for filing a claim: calling your local Erie agent or calling Erie Insurance. Like all insurance companies, Erie promises to get your claim settled quickly.

After you submit a claim, Erie Insurance will have a claims adjuster contact you to get more information about your accident. Adjusters are always very sympathetic to your predicament, with promises to get your claim taken care of quickly. As much as it seems they’re really looking out for you, their allegiance is to Erie Insurance first and foremost—and they always look for ways to limit or deny your claim altogether.

How Insurers Gather Information

At the start of the claims process with Erie Insurance, the insurance adjuster will gather as much information as possible about the accident. This information usually comes from:

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

At some point, you may be asked to sign a medical records release form. CAUTION: These forms can give your insurance company unfettered access to your entire medical history. If there’s any issue in your past they can use to dispute your claim, you can bet they’ll use it. Any experienced personal injury attorney can advise you on what forms are appropriate to share with your insurer.

After gathering all the information, Erie Insurance will make a decision on how much they’re going to pay on your claim. Usually, a check is sent out. Don’t be surprised if it’s less than you were expecting. While you may be tempted to deposit the check so you can start paying off your medical bills, hold off until you’ve had a chance to get an experienced personal injury attorney’s opinion.

Insurance companies are known for lowball payments on claims, and the check they sent out is just an offer of settlement. Everything can be negotiated, but not if you deposit the check. Doing so would be an implicit and irrevocable agreement to the settlement.

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2. Handling an Erie Insurance Injury Claim on Your Own

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Most accident victims proceed headlong into the claims process on their own, never realizing the minefield they’re walking into. If you’re inclined to handle your claim without an attorney, you need to understand the risks ahead. For a primer, we suggest reading the most common insurance company tactics used to minimize your settlement.

The call you get from the Erie Insurance claims rep at the outset of the claims process can make or break your claim, and you need to be well prepared for it. If you get a call shortly after your accident and haven’t had time to prepare yourself, just tell the claims rep you’re not able to talk right now and ask for a number where you can call back. You have no legal obligation to speak to anyone at the insurance company the minute they call, so be firm but polite in your request to speak with them at another time.

Be Careful What You Say

The call you get from the Erie Insurance claims rep at the outset of the claims process can make or break your claim, and you need to be well prepared for it. If you get a call shortly after your accident and haven’t had time to prepare yourself, just tell the claims rep you’re not able to talk right now and ask for a number where you can call back. You have no legal obligation to speak to anyone at the insurance company the minute they call, so be firm but polite in your request to speak with them at another time.

Document All Your Contacts with Your Insurance Company

In most cases, you’ll have more than one phone conversation with the claims adjuster, or with other people at Erie Insurance. It’s a good idea to keep a log of every phone call and follow up each one with a short letter or email outlining what next steps the insurance company said they will be taking. If they later try to deny saying what they said, you’ll have documentation to show what they actually said.

Know What You’re Up Against

It may seem like the rep you’re dealing with over the phone is the only person you’re dealing with at Erie Insurance, but above this person are dozens of upper management employees and attorneys—all with a playbook of strategies to minimize payout on your claim.

One of the most commonly used tactics of insurance companies is to delay the claims process past the statute of limitations so you will be blocked from taking legal action against them. In Wisconsin, the  statute of limitations for filing suit against an insurance company is 3 years. Seems like a long time, but you’d be amazed at how insurance companies can drag their feet for 3 years. Suing your insurance company is the one bargaining chip you have in the claims process, so be wary of this timeline. Once the 3-year window has passed, you’ll be stuck with whatever settlement offer Erie Insurance makes.

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

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3. 5 Strategies for Mazimizing Your Erie Insurance Settlement

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Warshafsky Law personal injury firm makes sure you get the most for your personal injury claim.

Your chances of getting a fair settlement from Erie improve dramatically with an experienced personal injury lawyer on your side. To improve your odds of success, here are a few strategies to use.

1. Don't lose your cool.

When you’re getting the runaround from your insurance company, it’s easy to lose your cool. Resist the urge to “give them a piece of your mind” and keep it civil.

2. Document all your expenses.

Before you start the claims process, you need detailed information on what your auto accident has cost you. Since there may well be ongoing medical costs, you’ll need to keep track of them, too. You can also document pain and suffering with photos of your injuries, pain medications you’ve been prescribed, and statements from your doctor or physical therapist. Include your transportation costs to and from medical appointments and lost income from not being able to work.

3. Get the medical care you need.

After a serious injury accident, you’re going to need ongoing medical attention. Often, chiropractic care and physical therapy are necessary. Don’t deny yourself the care you need because you’re concerned about not getting reimbursed by your insurance company. Your health and well-being is too important

4. Don’t sell yourself short.

After a serious injury accident, you’re going to need ongoing medical attention. Often, chiropractic care and physical therapy are necessary. Don’t deny yourself the care you need because you’re concerned about not getting reimbursed by your insurance company. Your health and well-being is too important.

5. Consider hiring an attorney.

Many accident victims start the claims process thinking there’s no reason to hire a lawyer, but quickly find out that dealing with an insurance company can turn into a full-time job—and a very stressful one, at that. Once you hire an attorney, there’s a huge burden taken off your shoulders. All communication on your claim has to be handled through your attorney, so you no longer have that stress and aggravation. With an experienced personal injury attorney representing you, there’s someone on your side actually looking out for your best interests. Especially if your attorney is a personal injury attorney with Warshafsky Law.

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Sometimes you’ll be able to work with an insurance adjuster to reach a mutually agreed-upon settlement amount. If your injury was minor and you feel confident you’ve been fairly compensated, you can move on. However if you’ve sustained significant injuries or the final outcome of your medical treatment is unclear, it can be hard to know from a limited perspective whether the amount you’re looking at is adequate. An experienced personal injury attorney, on the other hand, has seen a wide range of insurance settlements and understands how to calculate the comprehensive value of your claim.

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Experienced Personal Injury Attorneys Know How to Get the Most for Your Erie Insurance Claim

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Insurance companies like to portray themselves as friendly do-gooders, but the reality is they’ll do everything they can possibly do to minimize payouts on their policy holders’ claims. It’s easy for them to give you the runaround, but things change quickly once you have an attorney representing you—as long as your attorney isn’t a patsy.

The attorney you hire to represent you may well be the most critical factor in getting the settlement you deserve. While many personal injury law firms “play ball” with insurance companies, encouraging their clients to settle with their insurance company so they can collect their fee and move on to the next case as quickly as possible, Warshafsky Law doesn’t.

Aggressive Legal Representation Makes the Difference

Unlike "sign and settle" law firms that insurance companies know will never take a case to trial, Warshafsky Law prepares every case for trial from day one—and we aren’t timid about taking cases to trial. Insurance companies dread this because if they lose in court, they risk losing even more money than if they just offered a fair settlement to begin with.

When Erie Insurance finds out you’re being represented by Warshafsky Law, your settlement offer will likely become much more generous. If we can negotiate a reasonable offer for you, we’ll recommend you take it. If not, we’ll take the case to court to ensure you get everything you’re owed.

With Warshafsky Law representing you, you’ll owe nothing in legal fees until you have your settlement, and our No Win, No Fee policy ensures you have nothing to lose by hiring us.

INJURED? It IS About The Money.®

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