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GET MORE MONEY: 3 Things You Need to Know About the MetLife Insurance Claim Process

Attorneys for MetLife Injury Claims Get Car Accident Victims Bigger Settlements

A Guide to Getting the Most for Your MetLife Personal Injury Claim

MetLife is the commonly used abbreviation for Metropolitan Life Insurance Company, which is one of the world’s largest insurance companies. Founded in 1868 in New York City, the company has over 90 million customers in more than 60 countries.

For many years, 31 years to be precise, MetLife was known for their use of the Peanuts comic strip characters in their advertising—a calculated attempt “to make our company more friendly and approachable,” according to their chief marketing officer.

“Friendly and approachable” is just how most multinational insurance companies strive to be perceived. Unfortunately, far too many people who have had to deal with this company have anything but warm and fuzzy feelings for them. Do an online search for “complaints about MetLife auto insurance” and you’ll find hundreds of horror stories.

Whether you’re insured by MetLife or are dealing with them because the at-fault driver in your accident is covered by MetLife, this article will provide information you need to get the auto accident settlement you deserve for your injury.

If you’re involved in a MetLife injury claim following a car accident, you need an experienced lawyer protecting your right to fair compensation.

Milwaukee car accident attorneys at Warshafsky are highly experienced in negotiating with MetLife and other insurers to secure the maximum settlement amount for injured victims of car accidents. Some of our lawyers are even former insurance industry attorneys, giving our legal team a unique understanding of the MetLife settlement process and how insurance companies operate

 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.

1. How to Deal with MetLife Insurance Claims Adjusters when Reporting a Claim

Like all big auto insurance companies, MetLife offers the option of filing a claim online, over a mobile app, or by calling a toll-free number. This all sounds great, but what happens once you’ve filed a claim? We’d love to tell you they respond quickly with a check big enough to cover repairs or replacement of your vehicle and all medical bills you’ve incurred, but that’s rarely ever what happens.

Like all insurance companies, MetLife’s primary goal is to minimize their payout on claims. In fact, the more damage to your vehicle, or to you, the harder they’ll try to diminish the value of your claim.

How the Claims Process Works

Once you’ve filed a claim with MetLife, a liability examiner (also known as a claims adjuster) is assigned to your case. The adjuster then gathers information to use in evaluating your claim. The sources for this information come from:

  • Pictures and measurements taken at the accident scene
  • Police reports and statements from witnesses and passengers
  • Various repair estimates
  • Anything you say

After the claims adjuster has gathered all this information, a decision will be made on how much MetLife is willing to pay on your claim. Often, you’ll be sent a check for the amount they’ve decided is reasonable. More often than not, it’s not nearly enough to cover the expenses you’ve incurred as a result of the accident.

While it may be tempting to deposit the check, especially if you have medical bills piling up, don’t do it until you’ve had a chance to speak with an attorney. Insurance companies are notorious for lowballing claims, and one of the tricks they use to get people to go along with them is dangling a check in front of them.

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2. Handling a MetLife Injury Claim On Your Own

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If you’ve never been through the claims process, you need to be understand the risks you face by handling it yourself. We recommend you start by reading up on the most common insurance company tactics used to minimize your settlement.

After filing a claim, the insurance company’s liability examiner starts gathering information on the accident. You’ll likely be the first person contacted. Beware: although the insurance adjuster will probably seem like a nice person who just wants to help, he/she will be fishing for anything they can use to deny, delay or dispute your claim. Be very careful what you say, and NEVER admit to being even partially at fault for the accident.

If you get a call from an insurance adjuster before you’ve had time to prepare yourself for the conversation, just say that this isn’t a good time to talk and ask for a callback number. You’re under no obligation to speak to them on their schedule, so be firm but polite in your request to postpone the call.

Watch what you say

When you do speak with the adjuster, keep in mind that the phone call will likely be recorded. You need to be consistent in your account of what happened. Any inconsistency or misstatement, however innocent, will give the adjuster ammo for disputing your claim.

Document every contact with the insurance company

You’ll likely have more than one phone call with adjuster, or with other reps from the insurance company. Keep a log of every phone contact and follow up each one with a short letter or email outlining what you were told the insurance company is going to do. If the insurance company later reneges on a promise or tries to dispute the timeliness of your claim, you’ll have documentation to show otherwise.

Understand what you’re up against

When you’re dealing with a big insurance company like MetLife, the rep on the phone isn’t the only person you’re up against. Behind the rep is an army of lawyers with hundreds of strategies to minimize their payout on your claim.

A favored tactic of insurance companies is to delay the claims process past the statute of limitations in order to shut you out of taking legal action. In Wisconsin, the Statute of Limitations on filing suit over a personal injury accident is 3 years, and you’d be amazed how an insurance company can drag their feet for 3 years.

Bear in mind that suing the insurance company is your ONE bargaining chip in the claim negotiation process. If you’re shut out of doing so by the Statute of Limitations, you’ll be stuck with whatever lowball settlement offer they make you.

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3. 5 Ways to Maximize Your MetLife Settlement

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

To be frank, your best chance at getting a fair settlement from MetLife is to have an experienced personal injury lawyer at your back. There are, however, some things you can do to increase your odds of getting a fair settlement.

1. Don’t lose your cool.

Getting the runaround from an insurance company is enough to drive anyone crazy, but resist the temptation to fly off the handle. Grit your teeth and stay polite. If you’re not making any headway, ask to speak with a supervisor or another rep.

2. Be prepared.

Before you even start the claims process, you need to have detailed information on what your auto accident cost you. Since there may well be ongoing medical costs, you need to keep track of them. You can also document pain and suffering with photos of your injuries (the more gruesome, the better), pain medications you’ve been prescribed, and statements from your doctor or physical therapist.

3. Keep track of all expenses.

Your claim should reimburse you for all the expenses you’ve incurred as a result of your accident.  Medical bills, out-of-pocket costs for your appointments, chiropractic care, car repair costs, transportation to and from doctor appointments and lost income from not being able to work. If your injury requires ongoing care, future medical expenses can be included in your claim, too.

4. Talk to a Lawyer.

Before you decide to handle the claims process on your own, at least get some input from an experienced attorney. Almost every personal injury law firm offers a free, no-obligation initial consultation, Warshafsky Law included. Once we hear about your situation, we’ll be able to give you our take on what sort of settlement the insurance company should be offering you. Then you can decide whether to retain an attorney or continue handling the claim yourself.

5. Hire an Experienced Personal Injury Lawyer.

If you want to be sure you get everything owed you, hiring an attorney is the way to do it. Besides having the legal knowledge it takes to beat behemoth insurance companies at their own game, an attorney relieves you of all the stress of having to deal with the insurance company on your own. In fact, once you retain an attorney, the insurance company is legally obligated to only communicate with your attorney.

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Despite the “feel good” commercials insurance companies run, the reality is that they put their bottom line before your well-being. Warshafsky Law, however, is committed to seeing you get everything you need to put your life back on track after an auto accident.

When it comes to dealing with insurance companies, you need an attorney willing to put up a fight—not a “sign and settle” lawyer who will play footsie with insurance companies just so they can take their cut of your settlement and get back to the golf course. Unlike the typical settlement mill law firm, Warshafsky Law is prepared to take every case to trial—which is why insurance companies hate it when their policy holders hire us.

Faced with the prospect of unlimited liability in a jury trial, insurance companies usually have a sudden fit of generosity and make very reasonable settlement offers. If they don’t, we take them to court and win massive judgments for our clients.

INJURED? It IS About The Money.®

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