Nationwide Personal Injury Lawyers

Milwaukee, WI 414.276.4970

Hear From a Winning Warshafsky Attorney

Experience Matters

Roe Weirsgalla | 15 sec

Experience Matters. How would you like to have the dream team of Gerald Block and Michael Tarnoff on your personal injury case. Combined that’s 12 successful trials before the Wisconsin Supreme Court.

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Get More Money: 3 Things You Need to Know about the Mercury Insurance Claim Process

And One Surefire Way to Get the Most Out of Your Personal Injury Claim

A Guide to Getting a Higher Settlement from Your Insurance Company

Mercury Insurance, a division of Mercury General Corp., is the fourth largest private passenger auto insurance agency in California, with over $4 billion in assets. They also provide insurance in Arizona, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. In addition to auto insurance, they also offer home, condo, renters, and business insurance.

Although Mercury gets higher marks from customers than most auto insurers, there are plenty of unsatisfied policyholders. Their advertising boasts “We’re on a mission to save you money,” but like all insurance companies their primary objective is to save the company money by devaluing the claims of their policyholders so they pay out as little as possible.

Cathy of Santa Monica found out that when money is involved, Mercury Insurance is mercurial about its liability.

Cathy of Santa Monica found out that when money is involved, Mercury Insurance is mercurial about its liability.

If you’ve been injured in an auto accident, the best way to ensure you get fully compensated for your losses is to have a Milwaukee car accident lawyer represent you—the kind you’ll find at Warshafsky Law. With experienced personal injury attorneys who have worked for the insurance industry before joining our firm, we know all the tricks insurance companies play to minimize (and deny) payouts on claims. Get the auto accident injury compensation you’re owed with Warshafsky representing you.

Even less threatening injuries like whiplash can mean weeks of rehabilitation therapy, added bills, inability to work, etc. If you think the settlement is unfair, it probably is! Our top-rated attorneys can help you make a counteroffer and keep the insurance company from lowballing you again.

INJURED? It IS About The Money.®


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 a Mercury Insurance Claims Adjuster

Mercury has an 800 number for policyholders to file claims, and you can call this number 24/7 to file a claim. The Mercury website provides comprehensive information on what to do after an accident, including a list of all the information you need when you file a claim. Kudos for that.

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

Don’t admit fault or volunteer information.

When you call Mercury Insurance to initiate a claim, your call will likely be recorded. Be careful what you say. If you acknowledge being in any way at fault for the accident, they will use this to justify minimizing or completely denying your claim.

As part of the claims process, Mercury Insurance will have a claim adjuster gather information from the accident scene, witnesses, police reports and any other sources they can find. What they’re looking for is evidence of who was at fault. They’re especially interested in any evidence that may show you to be at fault, since this gives them justification for a lower settlement, or even denying payment on your claim.

Don’t sign a medical records release forms without consulting an attorney.

In personal injury cases, claim adjusters usually ask the policyholder to provide them with a medical records release authorization. They’ll tell you it’s so they can verify the extent of the injuries you suffered (and what they’ve cost you), but there’s more to it than this.

A medical records release form gives an insurer access to your entire medical history, and you can bet they’ll snoop around to find something in your past they can use to put the blame for the accident on you. Don’t sign any release for your medical records without consulting an attorney first.

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#2.Handling a Mercury Insurance Claim On Your Own

Although insurance companies claim to be looking out for you, they don’t grow into multi-billion dollar businesses by paying the full value of every claim. What they’re really looking out for is their bottom line, and they’ll try anything and everything to minimize payouts on their policyholders’ claims.

The only sure way to get the settlement you’re entitled to is to retain a personal injury attorney to represent you. Should you choose to settle your claim on your own, however, there are some things you need to know:

A settlement check is only an offer to settle.

The settlement check you get from Mercury is not the last word on the value of your claim. It’s an offer they hope you’ll take. 9 times out of 10, the settlement check is nowhere near what was expected. If that’s true in your case, resist the temptation to deposit the check. Once you do, you forgo the right to negotiate for a better settlement.

There is a 3-year statute of limitations on personal injury claims.

When you’re dealing with an insurance company, you have one bargaining chip: the threat of a lawsuit. However, Wisconsin has a 3-year statute of limitations for filing suit. If you haven’t been able to resolve your claim within 3 years and don’t file suit, you’ll lose the option to do so and be stuck with whatever settlement Mercury offers. Keep an eye on the calendar! for filing suit is 3 years.

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

The last thing an insurance company wants to hear is that you’re getting an attorney to represent you. This throws a wrench into their plan to delay your claim until you cave in and accept their lowball settlement offer. They’ll tell you there’s no need for lawyers, yet meanwhile, they have armies of them looking out for the best interests of their business. Bottom line: Get an attorney to represent you.

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#3.5 Do’s and Don’ts to Increase Your Mercury Insurance Personal Injury Settlement

DO your homework.

It’s a good idea to familiarize yourself with what’s involved in personal injury claims. Just reading this is a good start. We’d also recommend reading the most common insurance company tactics used to minimize your settlement. You’re likely to be treated better by an insurance company if they see you have some knowledge of what’s going on and won’t easily have the wool pulled over your eyes.

DO the math.

A serious auto accident is expensive, and you have the right to be compensated for all the expenses you’ve incurred. First, though, you need to have documentation of them. Save all your medical bills, deductible statements, receipts for bandages, braces and whatever else you’ve had to buy, as well as prescription receipts. You can also add in your mileage/transportation costs when getting to and from doctor appointments.

Costs 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 (If your injury accident resulted in damages, your health insurance company has the right to seek reimbursement for their payments)

 INJURED? It IS About The Money.®

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

DON’T be pressured into anything.

Contesting a settlement offer is time-consuming and mentally draining. Insurance companies make it this way in the hope you’ll capitulate and just accept what they’re offering you. Don’t give in to the pressure to settle.

Don’t trust “sign and settle” lawyers.

Any law firm that runs ads boasting about the thousands of personal injury cases they settle should be avoided. These firms are “settlement mills” that just want to get their cut of an insurance payout and move on to the next case. They don’t care if you’ve been fairly compensated or not. Stay away from them.

DO get the opinion of a personal injury attorney experienced in dealing with insurance companies.

Virtually all personal injury firms offer a free initial legal consultation to prospective clients, ours included. Even if you’re committed to handling your claim on your own, it’s worth getting the input of an experienced personal injury attorney. Our free case assessment will help you better understand just how much is at stake.

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#4.Fighting for Fair Compensation for Your Mercury Insurance Claim

Warshafsky Law has a long history of taking down Goliaths. Unlike the “sign and settle” law firms, we treat every case from day one as though it will go to trial. Insurance companies know our long history of winning big in court, and their first reaction upon hearing you’re represented by Warshafsky Law will likely be “What can we do to settle this?”

Faced with the prospect of an expensive trial, negative publicity, and the likelihood of losing big time, most insurance companies up their settlement offers. If you get a reasonable offer—one that covers all your losses—we’ll recommend you take it. If the settlement is still an insult, we’ll take them to court to get everything you deserve.

Warshafsky Law represents Mercury Insurance policyholders nationwide

Although we’re based in Milwaukee, Warshafsky Law represents clients throughout the US. If you live outside the Milwaukee area and can’t come to our office in person, you can advantage of a free initial consultation with one of our attorneys by phone. Should you decide to let us represent you, we won’t ask for payment until you have received your settlement.

INJURED? It IS About The Money.®

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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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