Negotiating against a low ball Acuity settlement offer Injured? Lawyer up before you sign a check.

Acuity Settlement Payout Process:

  1. Acuity claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 242-7666.
  2. Claim time limit: Most states have strict yet complex statute of limitations rules such as “you must bring a claim within 3 years of the date of discovery of the injury”. It’s complicated. Act fast - the insurance company will.
  3. Repair shops: Acuity requests insurance customers to use a AAA-approved auto repair facility. However, this suggestion serves only to save the insurance company money. In reality, you can go wherever you want for repair service. Tell your insurance company your favorite auto shop will do the work.
  4. Settlement negotiation: Insurance companies like Acuity Insurance Association have teams of professionals dedicated to limiting or denying your settlement payout. For small claims not involving injury, you might want a lawyer for property damage or a bad faith insurance claim. If you were injured, a personal injury lawyer can help you assess all damages. 
  5. Reviews for Acuity Insurance Association: Acuity Google Review page

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How can I get a higher settlement from my Acuity Insurance Claim?

To maximize your Acuity Insurance claim, document all related costs, such as lost wages and future medical expenses. Don't be pressured into accepting settlements that you don't think are fair. Hire a personal injury attorney who is experienced in handling insurance companies, not a "sign and settle" lawyer.

Located in Sheboygan, Wisconsin, Acuity is a small-town insurance company with a network of 25,000 independent agents in 25 states nationwide. A fast-growing company, Acuity Insurance brought in over a billion dollars in revenue in 2016. Acuity Insurance claims its employees, workplace culture and community involvement make it different. But one thing every insurance company has in common is making money—something Acuity is clearly very good at.
Don't let Acuity take advantage of you, and hire a personal injury lawyer from Warshafsky to help you maximize your settlement claim.

Injured? it is about the money®

How do I get my Acuity settlement check?

Acuity makes filing a claim easy with a free mobile app, 800 number, or online claim reporting, all available anytime, any day. Like most insurers, they make filing a claim fast and convenient, hoping you won’t realize it’s a lowball offer until your case has been crossed off their ledger.

Factors affecting your Acuity payout

During the claim process, you can expect a liability examiner to interview everyone involved in the accident and gather information any way they can, including:

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

If an adjuster calls you shortly after your accident, you are NOT obligated to give a statement. Be firm but polite, ask for a number, and call back when you’re ready.

Never forget: insurers will track down any information they think they can use to deny, dispute, or delay your claim and undervalue your pain and suffering. The bottom line is always saving their own money. Avoid being taken advantage of during the claim process by having the best auto injury lawyer on your side.

How to Negotiate against a lowball Acuity settlement offer

There are some things you can try to increase your settlement offer:

1. Be cool

Even if the claim adjuster gives you a lowball offer or a runaround, always be calm and polite in your dealings with the insurance company. If you need to, ask to speak to a supervisor or different representative.

2. Do your homework

Prepare for negotiations by preparing to explain the reason for your claim, and ready to show its value with specific information. Be sure to include evidence of pain and suffering.

3. Keep receipts

Hold on to every medical bill, car repair estimate, recent pay stubs, and even the mileage you put on driving to the doctor and back. Document anything and everything proving the value of your claim. Our personal injury attorneys and medical lawyers will fight to get you compensation for all your losses.

4. Know what your injury claim is really worth

Some costs are easy to define, like hospital bills and prescription drug costs. Calculating pain and suffering and lost potential wages is much more difficult.

Additional personal injury claim costs to consider:

  • Property damage
  • Car rental
  • Deductible
  • Hospital deductible
  • Non-prescription medical expenses (bandages, braces, etc)
  • Chiropractic care
  • Future medical expenses
  • Subrogation

Subrogation means if someone else is at fault for your injuries, your health insurance company has the right to seek reimbursement for their payments.

5. Discuss your case with a qualified attorney

Going over your claim with an experienced personal injury lawyer is the best way to judge the value of your claim offer. An attorney will also take on the burden of negotiations—in fact, once you hire legal representation all communication between yourself and the insurance adjuster must stop. A personal injury lawyer is a professional negotiator who may help you collect a much larger settlement than you were prepared to accept acting on your own.

Knowing what your claim is worth: Acuity settlement amounts

Insurance companies don’t rake in yearly revenue counted in millions and billions by paying out the full value of every claim without a fight. To get the money you’re entitled to for your injuries, you need a lawyer willing to go the distance—not a “sign and settle” lawyer cooperating with insurers.

Insurance companies will value YOUR claim based on the lawyer representing you. Warshafsky Law has a reputation for dragging insurers into costly court battles...and winning.

Contact our personal injury law firm to schedule a free initial legal consultation on your personal injury claim case.

6 WI Car Accident Laws that Impact your claim

What to know about Acuity repairs after your car accident

An "Acuity repair shop in Wisconsin" is a myth, plus 3 other lies


Lie #1: “We want to get this taken care of for you as quickly as possible.”

Empathy is great. But when an insurance rep says “I know how frustrating this must be” and follows up with “We want to get you taken care of as quickly as possible,” beware. They know what an inconvenience it is to be without a car, and that you’re likely to go along with whatever they lay out for getting work done. Inevitably, this involves a repair shop they recommend.

Lie #2: “There’s an Acuity shop near you…”

The insurance rep on the phone found a repair shop near you, how thoughtful! Or maybe not.

The reality is no one working for Acuity Insurance is looking out for what’s best for you. They’re looking to pay out the least amount possible. Minimizing losses may be good for the company, but it’s not good for policyholders. The shop “near you” may be convenient, but it may not be the best shop to repair your car.If there’s a body shop you know and trust, and you want to have them work on your car? Then tell the insurance rep you want them to do the work.

Lie #3: “Aftermarket parts are just as good as OEM parts”

Before you have any shop work on your car, ask if they’re going to use OEM parts or aftermarket parts. If they tell you there’s no difference, start looking for another repair shop. Aftermarket parts are notorious for not fitting correctly, lasting as long, or working as well as OEM parts.

There’s a reason Acuity and other insurance companies will tell you aftermarket parts are fine: They want to get your car repaired as cheaply as possible. While it’s almost impossible to get new OEM parts for an older car, there’s no reason why you can’t get OEM parts for a late model car. And there’s no reason to settle for anything less.

The Big Lie in Personal Injury Settlements

The biggest lie you’ll get from a health insurance company is that their settlement offer is the best they can do. If you question this, they’ll tell you how the dollar amount was carefully calculated to cover all your costs. Actually, it was calculated on what will cost them the least.

The settlement offer comes in the form of a check. If you’ve been injured in an auto accident, are unable to work, and bills are piling up, that settlement check promises instant relief. Our advice: Don’t take it! At least not right away. The minute you cash their check you waive your right to litigate for a higher settlement.

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