Don’t admit fault or volunteer information.
Don’t say anything like “I should have been going slower,” or “I was probably following too close behind the other car.” Statements like these give an insurance company all the ammo they need to limit or deny your claim.
After getting your side of the story on your accident, the Amica claim representative will read the police report and witness statements, review video footage from nearby cameras (if any exists), and look into anything else related to your claim.
If you’re asked to sign a medical records release form, don’t do it until you’ve consulted an attorney
Insurance companies routinely ask for a medical records release to verify the extent of your injuries. However, a signed release form gives them carte blanche to look into your entire medical history. It’s not uncommon for them to find an unrelated medical issue from your past and make the argument that it was a contributing factor in your accident—thereby giving them justification for denying your claim.
Be aware of Wisconsin’s statute of limitations on personal injury claim suits
In Wisconsin, you only have three years from the date of your accident to file suit. Keep an eye on the calendar, because three years can go by faster than you might think.
When your insurance company says there’s no need to get lawyers involved, there is
Your claims rep will assure you there’s no need for that. But think about it: Amica has an army of attorneys looking out for their best interests. Why shouldn’t you have one looking out for yours?
DON’T trust “sign and settle” lawyers
Most personal injury law firms boast about settling thousands of personal injury cases. Sounds great, but these law firms are nothing more than “settlement mills.” They just want to cut a deal with the insurance company as quickly as possible so they can take their cut of the settlement. Insurance companies know these firms will never take them to court, so they get away with lowball offers.