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

Auto Club Settlement Payout Process:

  1. Auto Club claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 236-1300.
  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: Auto Club requests insurance customers to use an 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 Auto Club 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 Auto Club Insurance Association: Auto Club Google Review page 

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

Auto Club Insurance Association is one of the top 10 most popular auto insurance providers in Wisconsin. As a subsidiary of AAA with an estimated worth of 1.5 to 2 billion dollars, Auto Club's top priority like other companies is to increase bottom-line profit. If you’ve been injured in a car wreck or hit and run accident, your best chance of recovering the money you deserve is with an experienced Milwaukee auto accident lawyer.

Ensure you receive fair compensation by rejecting Auto Club's initial offer and hiring Warshafsky's personal injury legal team. The personal injury attorneys at Warshafsky Law have years of experience in negotiations with the Auto Club Insurance Association and countless other insurance companies. Many of our lawyers are former insurance agents, knowing the secrets to maximize the settlement amount for auto accident injury victims when other lawyers don’t.

If your injury occurred on workplace property while using workplace vehicles, or while carrying out duties on the job, schedule a free consult with our workman's comp lawyers to discuss the true value of your case.

Injured? it is about the money®

Factors affecting your Auto Club payout

1. What you say to an Auto Club representative will be recorded, and in any circumstance, used to dispute or deny your claim. Auto Club will collect information from the accident scene, witnesses, police reports, and any other potential source as a means to gather potential ammo to use against your claim.

2. An Auto Club claims adjuster may ask you to sign medical authorization forms, which grant the insurance company access to all your medical records. Even unrelated or long-past details from your personal medical history can be used to deny or dispute your claim. Remember: the person you are speaking with may seem friendly, but the job of any insurance employee is to settle your claim for the lowest expense to their company possible.

Handling an Auto Club Insurance Association claim without an attorney

You may be wondering how to file a personal injury claim without an attorney, but know your best chance at a fair settlement is with the help of an attorney. If you're determined to go it alone, there are some things you should know. Remember: an insurance representative will ALWAYS serve the company’s best interests. Warshafsky’s experienced personal injury lawyers serve YOUR best interests.

  1. A printed settlement check is only an offer. Don’t be fooled. Even a printed check is only an offer, and once you sign it you can NEVER pursue further compensation. Meeting with an attorney for a free consultation before cashing Auto Club's offer.
  2. Personal injury claims have a statute of limitations. Personal injury claims have a 3-year statute of limitations in Wisconsin. Once the time passes, you will have lost any ability to bargain, having to accept for whatever settlement amount Auto Club offers. Insurance companies are notorious for delaying claims past the statute of limitations, forcing you to accept their offer. Acting fast and appointing a personal injury lawyer are the best steps toward receiving a fair settlement amount.
  3. If an Auto Club representative advises you not to speak with an attorney, disregard. It’s in their best interest for your claim to be settled individually. They may tell YOU not to hire a lawyer, but they have dozens if not hundreds of their own protecting their best interests. Show them you mean business with representation of your own. Your chance of arriving at a fair settlement is much higher when you're backed by an experienced team of aggressive personal injury lawyers.

How to negotiate against a lowball Auto Club settlement offer

1. Be prepared. You cannot dispute a claim by using abstract arguments you come up with on the fly. The more specific you are, the better. State every piece of information you have, piece by piece, as thoroughly as possible. The insurance adjuster most likely already knows everything you’re talking about, but if you come in with all potential details covered, you are demonstrating knowledge of the claims process.

2. Document every penny you spend as a result of your accident. There is no bill too small for reporting from your accident. The more evidence you can collect to prove financial and emotional hardship as a result of the accident, the better. A personal injury attorney can help you remember what documents to save, including:

  • Medical bills
  • Written repair estimates for vehicle damage
  • Receipts for prescription drugs
  • Your car’s mileage for doctor visits
  • Paystubs before the accident
  • Therapy bills

3. Remain calm. State the minimum you’re willing to settle for. The adjuster WILL try to low-ball you. It’s the first tactic they instinctively go to during negotiation. Sometimes they don’t even have a choice—many insurance companies require a lawsuit to not exceed a certain amount. If the process gets frustrating, do not lose your cool. Any kind of outburst will be used against you.

4. Don’t trust “sign and settle” lawyers. A firm or attorney bragging about the number of cases they’ve settled is probably a settlement mill. They’re quick to take their cut of an insurance payout and proceed on to the next case—regardless of whether the amount fairly compensates the damages, pain, and suffering you've incurred. 

5. Consider talking to a personal injury attorney experienced in dealing with insurance companies. You may be wondering how to file a personal injury claim without a lawyer, but you should know Warshafsky Law has a reputation for winning huge settlement amounts in jury trials. With a strong reputation of making insurance companies pay up, our cases close with a much higher settlement offer compared to other law firms. Don't take chances with your one chance to collect compensation--make sure your rights are protected and your Auto Club claim is properly valued.

6 WI Car Accident Laws that Impact your claim

 biggest lies about vehicle repairs

An "Auto Club repair shop in Wisconsin" is a myth & 3 other lies

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

When the Auto Club 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 and know you’ll do whatever they ask to get the work done.

Lie #2: “There’s an Auto Club body shop near you…”

In truth, no one working for Auto Club is looking out for your best interests. They’re looking for the cheapest way to get your car fixed. The shop “near you” isn’t necessarily the best shop to repair your car, and it may not even be the nearest shop. You have no obligation to get your car repaired at the shop Auto Club tells you to, so tell the insurance company if you have your own body shop in mind.

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

If you’re going to have parts of your car replaced, you want them replaced with OEM parts—not aftermarket parts. Aftermarket parts are notorious for not fitting as well as OEM parts, not lasting as long, and not working as well. Auto Club is just looking to get the job done as cheaply as possible. Although it’s virtually 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. You have no reason to settle for anything less.

The Big Lie in Personal Injury Settlements

The biggest lie you’ll hear from an insurance company is their settlement offer is the best they can do. If you’ve been unable to work because of your accident and bill collectors are hounding you, their settlement check brings 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. We recommend you contact us even before reporting your accident to Auto Club. Warshafsky Law offers free case assessments.

How long do I have to file an Auto Club Insurance claim in Wisconsin?

Most states have stricts statue of limitation rules that require you to bring a claim within 3 years of when the injury was discovered.

How much do Auto Club Insurance rates go up after an accident in Wisconsin?

When you get into an auto accident, your auto club insurance rate can typically go up by an average of 59%.

How do I get the largest settlement from my Auto Club injury claim?

The best way to receive the highest settlement from an Auto Club insurance claim is to hire an experienced personal injury attorney who will advise you on tips and tricks to not except an insurance companies lowball offer. Also make sure to preserve all evidence, file as soon as possible, be patient, and know what your claim is worth.

How do I get a settlement offer from Auto Club?

Reporting a claim with Auto Club can be done either over the phone with an 800 number or using the mobile app. Insurance companies will make filing your claim easy in the hopes that you'll quickly accept their lowball offer. Don't accept it immediately, hire an experience personal injury attorney to max out your claim.

How can I negotiate settlement amounts with Auto Club?

The best way to negotiate settlement amounts for your insurance claim is to hire an experience personal injury attorney. They will handle the legions of trained representatives and attorneys working for the insurance company so you don't have to. If you're going it alone, be prepared, save receipts, and know what your claim is worth.