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Milwaukee, WI 414.276.4970
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Get More Money: The Best Methods to Maximize Your Insurance Claim

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

Maximum settlement claim from National GeneralNational General Insurance, a division of National General Holdings Corp., provides auto, RV and home insurance to policyholders throughout the US. National General says “Count on us when you are behind the wheel,” but can you count on them when you’ve been in an accident behind the wheel? The best method to receive the maximum amount out of your insurance claim is by gathering all receipts and information about your losses in the case and hiring an experienced personal injury lawyer to represent you.

Like all insurance companies, National General is in business to make money, and finding ways to pay less on their policyholder’s claims is one proven way insurers maximize their profits. Even less critical injuries like whiplash can mean weeks of rehabilitation therapy, added bills, inability to work, etc. If you think the settlement is unfair, we can help you make a counteroffer, and stop the insurance company from lowballing you.

The top-rated legal team at Warshafsky Law includes former insurance industry attorneys, so we know exactly how insurance companies operate. If you’ve been injured in an auto accident, your best chance of getting the settlement you deserve is with an experienced personal injury attorney representing you.

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 National General Claims Adjuster

You can file a claim with National General online or by calling an 800 number. Throughout the claim process you can expect everyone at National General—from the customer service representative to the liability examiner and claims adjuster to assure you they are working hard to make things right for you. Fantastic, right! Well, not so much. Insurance companies have a way of disappointing policyholders whenever money is on the line.

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

Don’t admit fault or volunteer information.

When you get the call from a claim representative at National General, keep in mind it’s probably being recorded. If you say anything to give them the slightest justification to dispute or deny your claim, that’s exactly what they’ll do.

As part of the claims process, National General will gather information from the accident scene, witnesses, police reports and any other source they can find. They’re not just trying to get an idea of what happened, they’re looking for anything they can use to delay, dispute or deny your claim.

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

It’s likely a National General claim adjuster will ask you to sign a form granting the insurance company access to your medical records. All your medical records. Don’t do it. Unrelated and long-past medical issues you may have had can be used to dispute or deny your claim. Your best course of action is to consult an experienced personal injury attorney for advice on which medical records are relevant and appropriate to share with your insurance company.

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#2.Handling a National General Insurance Claim On Your Own

Insurance adjusters are trained to settle claims quickly with the smallest payout possible. Insurance companies count on their policyholders being naïve enough to just go along with whatever settlement offer they make. The best way to ensure you get the settlement you’re entitled to is to retain a personal injury attorney to deal with the insurance company. If you choose to settle your claim on your own, there are some important things you need to know:

A settlement check is only an offer to settle.

The check the insurance company sends you is not a definitive statement of the value of your claim. In most cases, it’s a lowball offer they hope you’ll take. Once you deposit the check, your case is closed and you will not be able to negotiate for better compensation for your injuries. It can be very tempting to deposit the check, but if it’s an inadequate amount for the expenses you’ve incurred you need to resist the temptation to deposit it.

There is a statute of limitations on personal injury claims.

Your one bargaining chip when dealing with an insurance company is the threat of a lawsuit. In Wisconsin, the statute of limitations for filing suit is 3 years. If you’ve been unable to resolve your claim with National General and don’t file suit against them within 3 years (from the date of the accident), you lose the option of filing suit and will be stuck with whatever National General offers to settle your claim.

If your insurance company advises you not to speak to an attorney, don’t listen.

The last thing National General wants is for you to have an attorney representing you. This makes it much harder to for them to get away with a lowball settlement on your claim. They may tell you there’s no need to get a lawyer involved, yet they have entire office floors full of lawyers looking out for their best interests. Your best shot at getting the settlement you deserve is with an experienced personal injury lawyer.

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#3.5 Do’s and Don’ts to Increase Your National General Personal Injury Settlement

DO your homework.

Be prepared to explain the reason for your injury claim. If you can make specific points proving the value of your claim it demonstrates knowledge of the process and shows the claims adjuster you’re serious.

DO the math.

Save every medical bill, receipt for prescription or non-prescription medical expenses (braces, bandages), written repair estimates, mileage going to and from the doctor and any other related costs. You need this to show the full extent of your losses.

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

 INJURED? It IS About The Money.®

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

DON’T be rushed.

Be prepared for the low-ball settlement offer your insurer will make. The ensuing settlement negotiations will drain your time and energy. Making the process difficult and time-consuming is part of their strategy. Don’t cave in to the pressure to settle, and keep in mind there’s a 3-year time limit for filing a lawsuit.

Don’t trust “sign and settle” lawyers.

A firm or attorney boasting about how many cases they’ve settled is probably a settlement mill. They’re quick to take their cut of an insurance payout and move on to the next case—regardless of whether the amount fairly compensates for damages, losses, and the pain and suffering you’ve endured.

DO consider getting input from a personal injury attorney experienced in dealing with insurance companies.

Almost all personal injury firms offer a free initial consultation, ours included. Take advantage of it, if only to get a professional’s opinion of the strength of your case. A free case assessment will help you understand the full value of your injury claim.

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#4.Fighting for Fair Compensation for Your National General Claim

Contesting a settlement offer on your own, or with representation from a sign-and-settle lawyer almost always results in a disappointing settlement. Insurance companies value your claim based on the law firm representing you. Most of these firms are happy to cut a deal, take their cut, and send you on your not so merry way.

Warshafsky Law, on the other hand, prepares every case to win at trial. Our long history of winning big in court strikes fear in the hearts of insurance companies. When notified Warshafsky Law will be representing you, the first reaction will likely be a more generous offer of settlement. If it’s reasonable, we’ll advise you to take it. If not, we’ll take your insurance company to court to get you everything you deserve.

Warshafsky Law represents National General policyholders nationwide

Although Warshafsky Law is based in Milwaukee, we represent clients throughout the US. You can take advantage of our free initial consultation with one of our attorneys over the phone if you’re outside the Milwaukee area. If you decide to hire us, you’ll pay no legal fees until you have received your settlement.

INJURED? It IS About The Money.®

Contact Warshafsky for a FREE case assessment today and take action to get the money you're owed.
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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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