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

American Family Settlement Payout Process:

  1. American Family claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 692-6326.
  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: American Family requests insurance customers to use a American Family-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 American Family 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 American Family Insurance Association: American Family Google Review page

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

American Family Insurance (AmFam) is a Fortune 500 company raking in hundreds of millions of dollars in yearly profits. Despite the name, American Family Insurance is a privately-owned, for-profit company whose primary interests are holding on to as much money as possible while minimizing payouts for insurance claims. 

To maximize your personal settlement, hire a personal injury lawyer to defend your claim, keep count of all your expenses you made throughout your case, and be careful with what you say to your insurance company since anything you say can be used against you.

Warshafsky Law understands how insurance companies operate because our legal team includes former insurance industry attorneys. Our experienced Milwaukee car accident lawyers go after big insurers to fight for the fair compensation of auto accident injuries.

If your injury occurred on workplace property, while using workplace vehicles, or while carrying out the duties of your job, things may be a little more complicated. Schedule a free consult with a workplace accident attorney to discuss the true value of your claim.

Injured? it is about the money®

How do I get my American Family settlement check?

Like most insurers, American Family streamlines the claim process, making it easy to file a claim by phone or online 24 hours a day. Their customer service representatives are trained to make the experience reassuring and convenient—as long as you go along with their lowball settlement offer.

What you MUST know when making an AmFam claim:

1. Never admit fault!

During the claim process, anything you say to a claims adjuster or customer service representative will be recorded and used to dispute your claim and undervalue your pain and suffering whenever possible.

2. Don’t let your guard down.

Always be polite and respectful when speaking to an insurance company rep, but don’t be fooled by a friendly nature or words of concern. Stick to the facts and don’t volunteer information.

3. Think twice before signing medical authorization forms.

A claims adjuster may ask you to sign medical authorization forms. It is extremely unwise to sign these forms without consulting an attorney. Any details from your personal medical history—even if they are from years ago or completely unrelated—will be investigated and potentially used to deny your claim. An experienced personal injury lawyer can determine which medical records must be provided to the insurance company, and when it’s appropriate to share them.

Factors affecting your American Family payout

When you choose to negotiate and settle your claim without a lawyer, you’re up against a small army of professionals who navigate the claims process all day long. The best way to protect your rights and collect the damages you need is by consulting a personal injury attorney and letting them handle the insurance company.

Other tips for handling an insurance claim:

A settlement check is just an offer.

In fact, it’s most likely a lowball offer the insurer is hoping you’ll take. Once you sign and deposit a check, you no longer have the right to pursue further compensation, even if you discover new injuries or expenses you weren’t aware of at the time.

Personal injury lawsuits have a statute of limitations.

Your one bargaining chip in the settlement negotiation process is your ability to pursue legal action to recover the money you deserve. But if time runs out you’re stuck with whatever the insurance company is willing to offer you

Insurance companies don’t want injured victims to hire a lawyer.

Your insurer may tell you a lawyer isn’t necessary or won’t help your case. You may be wondering how to file a personal injury claim without a lawyer, but you have significantly greater chances of arriving at a fair settlement with the help of an experienced legal team. They may tell you “we can work it out” or “why pay a lawyer when we’re accepting responsibility”. When AmFam or any insurer says you don’t need a lawyer, what they mean is we don’t want you to get a lawyer, despite having many attorneys on staff themselves. Warshafsky Law knows how insurers think, and we use our experience to protect your rights and increase your settlement.

How to negotiate against a lowball American Family settlement offer

1. Before you speak to your insurer, do your homework.

Be ready to explain the reason for your injury claim and make specific points showing the value of your claim, including pain and suffering.

2. Document everything.

Keep every medical bill and receipts for prescription drugs, other medical expenses (bandages, braces), repair estimates, and even your mileage driving to and from appointments. Other personal injury claim costs include:

  • Future medical expenses
  • Property damage
  • Car rental
  • Deductible
  • Hospital deductible
  • Chiropractic care
  • Pain and suffering
  • Lost wages
  • Subrogation

Subrogation is your health insurance company’s right to seek reimbursement for payments they made when another party is liable for the expenses.

3. Decide the minimum you'll accept and stick to your guns.

You'll need to be patient because the insurance company has many deny, dispute, and delay tactics. They're counting on you getting frustrated and settling for less than what you're entitled to.

Accepting a first settlement offer just to get some money can be tempting when the bills are piling up. But years from now when your back starts acting up again, you may regret signing away your right to further compensation for pain and suffering.

4. Keep good communication records.

Follow up phone conversations with a short email confirming statements and promises made by the insurance rep. Keep a written record of your actions by communicating by letter or email with your insurer during the claim process. You may need to defend the timeliness or accuracy of your submissions, and if you do you'll have the evidence.

Knowing what your claim is worth: American Family settlement amounts

Other “sign and settle'' law firms make it easy for insurance companies by making a deal and taking their cut at your expense. Warshafsky Law prepares every case to WIN at court, and our track record for winning huge settlements is well-known to insurance giantsWe've handled American Family, GEICO, Allstate and State Farm insurance claims with success, along with numerous other insurance companies.

Insurance companies fear expensive legal battles and the risk of a jury trial determining your maximum settlement amount. Get the money you deserve for your personal injury claim starting with a free consultation.

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 American Family repairs after your car accident

An "American Family 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”

When the American Family insurance rep tells you “I know how frustrating this must be” and “We want to get this taken care of for you as quickly as possible,” watch out. They know how inconvenient it is to be without a car, so they know you’ll probably go along with whatever they propose for getting the work done. Including the repair shop they recommend.

Lie #2: “There’s an American Family body shop near you…”

Fantastic! They know a repair shop near you. Sounds great, right? Well, maybe not.

The cold, hard truth is that no one working for American Family is looking out for your best interests. They’re looking to pay the least amount possible. And this includes whichever shop will do the work for the least amount of money. The shop “near you” isn’t necessarily the best shop to repair your car, and it may not even be the nearest shop.

If there’s a body shop you know and trust and you’d rather have them work on your car, tell the insurance. You’re under no obligation to get your car repaired at the shop American Family wants you to use.

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

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

American Family Insurance (and other insurance companies) will tell you aftermarket parts are fine, of course. They’re looking for the cheapest possible way to get your car repaired. It may be impossible to get new OEM parts for an older car, but there’s no good reason why you can’t get OEM parts for a later model car.

The Big Lie in Personal Injury Settlements

The biggest lie you’ll get from your insurance company is that their settlement offer is the best they can do. Question this and they’ll tell you how the dollar amount was carefully calculated to cover all reasonable costs. Actually, it was calculated to cost them the least amount possible.

The settlement offer usually comes in the form of a check, which may appear to be instant relief. Our advice: Don’t cash it! As soon as you do, you’ve waived your right to litigate for a higher settlement. Instead, get the opinion of an experienced personal injury attorney.

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