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

Amica Mutual Settlement Payout Process:

  1. Amica Mutual claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 242-6422.
  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: Amica Mutual requests insurance customers to use a Amica Mutual-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 Amica Mutual 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 Amica Mutual Insurance Association: Amica Mutual Google Review page

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

To maximize your Amica Mutual Insurance claim, do some research on how to handle a claim and contest a settlement. Calculate the costs that go into considering the value of your claim, 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.

If your injury occurred on workplace property, while using workplace vehicles, or while carrying out the duties of your job, things get more complicated. Schedule a free consult with a worker's comp lawyer to discuss the true value of your claim.

Injured? it is about the money®

How do I get my Amica Mutual settlement check?

As soon as possible after an accident, you need to file a claim for your losses. You can file online, over the phone, or with a mobile app. After you’ve submitted a claim, you’ll be contacted by phone by a claim services representative.

This conversation you have with the claim services rep will likely be recorded, so you need to be careful what you say. Any statement that could implicate you as partly responsible for the accident will be used as justification for minimizing, or even denying, your claim settlement.

Factors affecting your Amica Mutual payout

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.

How to negotiate against a lowball Amica Mutual settlement offer

Insurance companies have all kinds of delay tactics to grind you down until you’re ready to take whatever settlement offer they provide just to get the whole thing over with.

Your best chance of getting the settlement you’re owed is to have an experienced Milwaukee car accident attorney represent you. Warshafsky Law knows all the dirty tricks insurance companies use to delay and deny payment on claims. If you want to get what you’re owed, get a personal injury attorney at Warshafsky Law to represent you for your auto accident lawsuit.

The settlement check they sent you is just an offer to settle

Although it can be tempting to run out and deposit the check so you can start paying off your medical bills, don’t do it. Once you deposit the check, you’re barred from negotiating for more money. Their check is really nothing more than an offer to settle, but if you endorse the check you’ve essentially said “I accept this offer.”

Do the math

Document all the expenses you’ve incurred due to your accident-- hospital bills, doctor appointments, bandages, crutches, pain medications, even your mileage to and from doctor appointments. You’ll also need a record of the days you couldn’t work because of your injury.

Expenses to consider when calculating the value of your claim:

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

Knowing what your claim is worth: Amica Mutual settlement amounts

The best way to get everything you’re owed is to have an experienced personal injury lawyer representing you. Insurance companies know our reputation, and when they find out we’ve been retained one of two things happens: 1) Fearing a huge loss at trial, the insurance company acknowledges what your claim is really worth and pays out, or 2) The insurance company refuses to be reasonable and we take them to court to get what you’re owed.

Although Warshafsky Law is based in Milwaukee, we represent clients all over the US. If you’re outside of the greater Milwaukee area and unable to meet with us in person, you can schedule a free consultation over the phone. If we don’t win for you, you don’t owe us a thing.

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

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