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 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 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

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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. A subsidiary of AAA, they are worth an estimated 1.5 to 2 billion dollars. Like any other company, their top priority is to increase their profits. They achieve this by making money off of you. When you’ve been in an auto accident, the chance of you getting fair compensation without legal counsel is very low. That’s why it’s important to contact a Milwaukee car accident attorney immediately after the accident.

The personal injury attorneys at Warshafsky Law have years of experience in negotiations with Auto Club Insurance Association and countless other insurance companies. Many of our lawyers are former insurance agents, so they know the secrets to maximize the settlement amount for auto accident injury victims that other lawyers don’t.

If your injury occurred while 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.

The statute of limitations for filing a personal injury claim in Wisconsin is 3 years. But don’t wait that long to get started. The longer you wait to make a personal injury claim, the more valuable evidence slips away. If you’ve been in an auto accident, call our law office in Milwaukee now!

Injured? it is about the money®

How do I get my Auto Club settlement check?

Auto Club Insurance Association encourages you to contact them immediately after you’ve been the victim of an auto accident so they can provide prompt, courteous service. As former insurance agents, we know insurers at first seem very kind and helpful. That doesn’t change the fact that it’s a business first and foremost. If you contact Auto Club Insurance Association before properly collecting all evidence in your favor, you’ll get less compensation you’ll receive, and their own profits will continue to grow.

Don’t be overwhelmed at the thought of collecting information. That’s our job. That’s why it’s important to NOT contact your insurance agency. Contact a personal injury attorney FIRST. We know exactly what information is needed to support a personal injury claim. The faster you contact us, the more information we’ll be able to use to ensure you win maximum compensation.

Factors affecting your Auto Club payout

It’s normal during the claims process with Auto Club Insurance Association for a liability examiner to interview everyone involved in the accident. They will also collect as much information as possible including:

  • police report
  • passenger and witness statements
  • photos and measurements from the scene
  • researching repair estimates
  • ANYTHING you say

Legal counsel is extremely vital during this process. One wrong word and your settlement amount will plummet. One way they can easily win is if you sign medical authorization forms. Do not sign ANY document requested by Auto Club Insurance Association without first seeking a lawyer’s advice. Accessing your medical records gives them the right to use decades-old injuries or preexisting conditions against you, whether those conditions have to do with your current injury or not.

Dealing with an Insurance Adjuster

Before you speak with an insurance adjuster, do your homework and stay calm. The more you know, the better prepared you will be. Adjusters are not your friend. The whole purpose of their job is to make Auto Club Insurance Association as much money as possible. The best course of action is to contact an attorney and let them handle it from there. Whatever you do, NEVER admit ANY liability or fault in the presence of an insurance adjuster or representative.

Making an Injury Claim with Auto Club Insurance Association without a Lawyer

You may be wondering how to file a personal injury claim without a lawyer, but you should 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. Before you contact your insurance company to file a claim, you need to do extensive research. You must be well informed on both your own personal case, and also the severe risks caused by filing a claim without an attorney’s guidance. Assume every phone call with your insurance company is recorded (because it likely will be). Even the most innocent inconsistency will be used against you and severely decrease your compensation.

Be Aware of Common Insurance Company Practices

It’s wise to get thorough information on the claims process before you go at it alone. Be cautious. Remember that the people you will be fighting against have done this every single day for years. This process plays a huge role in your financial wellbeing after an accident.  

Remember: an insurance representative will ALWAYS serve the company’s best interests. Warshafsky’s experienced personal injury lawyers serve YOUR best interests.

Tips on Handling the Personal Injury Claims Process:

  1. An insurance adjuster doesn’t decide how much you’re entitled to; they decide how much they’re going to offer you. The insurance company will say things like, “After a thorough investigation and using highly specialized software, we’ve determined the value of your claim,” to get you to believe it’s an official statement of value. Don’t be fooled. Even a printed check is only an offer, and once you sign it you can NEVER pursue further compensation.
  2. Remember, the insurance representative is trained and experienced and everything they do is calculated. Don’t be surprised if you demand a certain settlement amount and the rep says they need to get back to you. Ending the conversation and wasting your time is one of many delay tactics insurance professionals use to slow down the process, hoping frustration and financial hardship will pressure you to settle for less.
  3. Put it in writing. When communicating with your insurance company, write a letter or send an email to create proof of your actions. After speaking on the phone, send a short follow-up note to confirm the statements and promises made by the representative.
  4. You’re one individual up against a powerful chain of command. Let’s say you ask for a supervisor. The supervisor has a unit manager, who has a claims manager, who has a regional manager, and so on. And each boss of a boss has a playbook filled with strategies for convincing you to accept the smallest check possible. This is likely the only insurance claim on your mind. It’s one of thousands for an insurance company, and they do this every day.
  5. Negotiating with an insurer isn’t like haggling at a car dealership. Insurance companies have legions of professionals (including attorneys) dedicated to limiting or denying your settlement. Your chance of arriving at a fair settlement amount is much higher when your claim is backed by an experienced team of aggressive personal injury lawyers.

Once you’ve made it clear you are going to stand firm in your settlement requests, insurance companies have countless “deny, delay and confuse” tactics they will use to make things extremely unpleasant for you. They know how desperate you may be with all the medical, emotional and personal expenses. Claims adjusters’ tactics range from the annoying, like losing your paperwork, to the serious, like using impossibly obscure and confusing terminology as a reason to deny your claim. Some adjusters will even try to scare you by threatening legal problems if you talk to a lawyer, despite having dozens of lawyers helping them come up with these tactics in the first place.

Be Ready to Prove Fault

It’s extremely important in a personal injury case to determine liability. It will benefit you if it’s objectively clear who was at fault. Unless it’s 100% clear who was at fault, your chances of receiving the compensation you deserve deteriorate fast. You need to know the laws and be able to prove exactly why the other person was at fault. Never admit you were at fault.

How to negotiate against a lowball Auto Club settlement offer

When it comes to disputing a claim settlement, the attorneys at Warshafsky Law want to make it clear that your best bet is to get a lawyer to do it for you. It is incredibly rare for any insurance agency to be persuaded by the victim to make changes to a settlement offer in their favor. Here are some tips for going against the insurance company:

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 every minuscule detail already covered, you are demonstrating your knowledge of the claims process.

Document every penny you spend as a result of your accident.

There is no bill too small to be important for 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

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 go above a certain amount. If the process gets frustrating, do not lose your cool. Any kind of outburst will be used against you.

Don’t sell yourself short.

Don’t give in to tactics adjusters will use to limit your settlement. The process is exhausting and nearly impossible to navigate on your own, especially considering the financial and emotional stress you’re already under.

It’s imperative you remember the statute of limitations. Delay tactics work in the adjuster's favor by getting you to cave or to buy time until time runs out and it’s too late to file a lawsuit. NOW is the time to take legal action.

Consider hiring an attorney.

Our experienced lawyers at Warshafsky Law have done this countless times before. We know exactly how much your claim is worth, and we have experience dealing with adjusters.

Insurance adjusters deal with cases like yours every day. If you go up against them on your own, they already have a leg up, on top of the fact that you’re stressed, exhausted, and experiencing emotional turmoil. A personal injury attorney will help take the burden off your shoulders and take over communication between you and the insurance company.

Knowing what your claim is worth: Auto Club settlement amounts

When it comes to disputing a claim settlement, the attorneys at Warshafsky Law want to make it clear that your best bet is to get a lawyer to do it for you. It is incredibly rare for any insurance agency to be persuaded by the victim to make changes to a settlement offer in their favor. Here are some tips for going against the insurance company:

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 every minuscule detail already covered, you are demonstrating your knowledge of the claims process.

Document every penny you spend as a result of your accident.

There is no bill too small to be important for 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

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 go above a certain amount. If the process gets frustrating, do not lose your cool. Any kind of outburst will be used against you.

Don’t sell yourself short.

Damages such as repair costs, medical bills, and similar data are easy to calculate. Others are not as easy. Proving the worth of lost wages, future earning potential is more complicated. Pain and suffering or mental anguish are nearly impossible to prove on your own because they defy an exact numeric calculation. Proving the exact worth of your claim is easier when an experienced legal team does it for you.

We understand the way insurance companies think because our legal team includes former insurance industry attorneys. Not only do we know insurance companies, they know Warshafsky Law. Insurers value your claim based on the quality of your lawyer, and we have a reputation for preparing each and every case we take to win at trial. Our determined lawyers go above and beyond to ensure your insurance company compensates you for ALL damages, not just the bare minimum. When you’re represented by Warshafsky, your insurance company will notice.

Contact our personal injury law firm for a free case appraisal on no-win-no-fee legal representation.

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