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

Country Insurance Settlement Payout Process:

  1. Country Insurance claims phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (866) 268-6879.
  2. Claim time limit: Most states have a 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: Country Insurance requests insurance customers to use a Country Insurance-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 Country Insurance 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 Country Insurance Insurance Association: Country Insurance Google Review page 

How can I get a higher settlement from my Country Financial Insurance Claim?

If you’ve been injured in an auto accident, your best course of action is to retain an experienced personal injury attorney to protect your right to fair compensation. Warshafsky Law has attorneys on staff who have worked for insurance companies. We know all the tricks insurance corporations pull and how to best navigate them. With Warshafsky Law, you’ll receive maximum compensation for your case—or don't pay a dime.

Even less threatening injuries like whiplash can entail weeks of rehabilitation therapy, added bills, inability to work, etc. If you think the settlement is unfair, it probably is! Our top-rated attorneys help you make a counteroffer and defeat the insurance company's quest to lowball you.

If your injury occurred on workplace property, while using workplace vehicles, or while carrying out the duties of your job, schedule a free consultation with a lawyer for worker compensation to discuss the true value of your claim.

Injured? it is about the money®

How do I get my Country Financial settlement check?

Country Financial gives you the option of filing a claim online or calling an 800 number. Once you’ve submitted a claim, a Country Financial claims representative will begin gathering information about your accident from all available sources, which include:

  • the police report
  • passenger and witness statements
  • photos and measurements from the scene
  • researching repair estimates
  • anything you say in a phone conversation with them

After getting all details for their investigation, the insurance company will send a settlement offer in the form of a check.

Factors affecting your Country Financial payout

Don't admit fault or volunteer information.

During this stage, you’ll probably be asked to sign a medical records release form. Don’t do it without consulting an attorney first. The Country Financial claims rep will assure you they're verifying the extent of your injuries, but handing them a signed release form gives them full access to your full medical history. They’ll look for anything which can be used to minimize your claim or deny it completely. A good attorney will be able to arrange the turnover of only the medical records pertinent to your injury.

After Country Financial has looked into the accident and determined you weren’t at fault, they’ll decide how much to pay on your claim. Prepare to be disappointed when you receive the check. It’s rarely ever the full amount you rightfully deserve.

Resist the temptation to deposit the check

If injuries from an auto accident have kept you from working and you’re getting calls from collection agencies for your medical bills, it can be tempting to deposit the settlement check and move on. Don’t until you’ve consulted an experienced personal injury attorney.

The check is just an offer of settlement. The dollar amount CAN be negotiated, but not if you deposit the check. Doing so constitutes an implicit acceptance of their settlement offer. Cash it, and you forfeit the right to negotiate.

Handling a Country Financial injury claim on your own

Like many accident victims, you might think handling an injury claim by yourself is the best idea. After all, you’ve been a loyal customer for years, so surely your insurance company will come through for you when you need them, right? Don’t count on it.

Insurance companies don’t become multi-billion dollar businesses by paying the full amount on every claim. They get there by doing everything possible to weasel out of their obligations to their policyholders. If you choose to handle a claim on your own, you need to know what you’re up against. A good place to start is familiarizing yourself with the most common insurance company tactics used to minimize your settlement.

It’s you against an army of attorneys

It may seem like you’re only dealing with the claims representative you’ve talked with on the phone, but above him/her is an army of managers and attorneys pulling the strings. If progress on your settlement stalls, you can ask to speak to a manager. Just understand that you’ll never get to the person with final authority to make a decision.

After a few weeks, it will start feeling like it’s taking forever to get your claim settled. This is coordinated. The return calls you never get, the requests for more information, the endless delays on everything—it’s all done to avoid paying out on your claim as long as possible. The endgame for insurers is to delay everything past the point where you take legal action against them.

How to negotiate against a lowball settlement offer

Be prepared for the call from the claims representative

After you’ve submitted your claim, you’ll get a call from a Country Financial claims representative. Write down everything you remember about the accident and request a copy of the police report. If there are any inaccuracies, contact the police and request an addendum contesting the inaccuracies.

You should have your notes and the police report handy when the claim rep calls. If you’re not prepared for the call, tell the rep you’re not able to talk right now and ask for a callback number. There's no obligation to talk with them the minute they call, but you can't put off the call for long.

Be careful what you say

When you’re on the phone with the claim representative, keep in mind the call is probably being recorded. Anything you say that could implicate you in any way as being even partly responsible for the accident. This information will be used to dispute your claim and, ultimately, reduce or rescind your settlement completely.

Document all contacts with Country Financial

After every phone call with Country Financial, follow up with a short email or letter summarizing what they told you they’d be doing to resolve your claim. If they later try to backpedal on what they told you or accuse you of not following through with your claim in a timely manner, you’ll have a paper trail to show otherwise.

Keep an eye on the calendar

In Wisconsin, the statute of limitations for filing a suit against an insurance company is 3 years. This probably seems like a long time, but insurance companies are masters of moving in slow motion. Your only bargaining chip in this process is the threat of a lawsuit. If they can string you along for 3 years, you’ll forfeit the right to pursue legal action against them. Then you’ll be stuck with whatever settlement offer they make.

Knowing what your claim is worth: Country Financial settlement amounts

When you get to the point of realizing you’re going to need an attorney, beware of who you hire. Law firms who boast of settling thousands of cases are usually “settlement mill” firms. They’re quick to settle cases so they can pocket their cut and move on to another case. Insurance companies know these firms never set foot in a courtroom, so they get away with lowball settlement offers.

Car accident attorneys who fight for your fair compensation

Nothing strikes dread in the boardrooms of insurance companies like finding out a policyholder has been retained by Warshafsky Law. They know Warshafsky can and will take a case to trial, and that we have a long history of winning big for our clients.

Faced with the possibility of going to trial, insurance companies usually develop a sudden interest in working something out before a trial starts. Our experienced personal injury attorneys will advocate for everything you’re owed. If we can get it without going to court, we’ll recommend you settle with your insurer. If not, we’ll take your case to trial.

We're no win, no fee attorneys

Worried about what it’s going to cost to have Warsharfsky Law represent you? Don’t be. If you have a legitimate claim, we won’t ask for payment until your case has been resolved and you’ve received compensation. It's simple: No Win, No Fee. You owe us nothing if we don’t win.

6 WI Car Accident Laws that Impact your claim

Country Insurance's biggest lies on car repairs biggest lies about vehicle repairs

A "Country Financial 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 Country Financial 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 is asked to have the work completed.

Lie #2: “There’s a Country Financial body shop near you…”

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

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 OEM parts—not aftermarket parts. Aftermarket parts are notorious for not fitting as well as OEM parts, not lasting as long, and not being as high of quality. Country Financial 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 when it's your transportation.

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 Country Financial. Warshafsky Law offers free case assessments. 

 

How long do I have to file a Country Insurance claim in Wisconsin?

Country Insurance does not give an official time limit for filing a claim in Wisconsin. However, if your delay compromises the ability to conduct an investigation, this may be used as a reason to deny your claim. Read your insurance policy thoroughly to identify any time restrictions for filing a Country Insurance claim.

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

At-fault car accidents can increase Country Insurance rates by up to 31% on average. The actual number depends on the amount of damage and your driving record. With a clean driving record, your Country Insurance rate increase may be temporary.

How do I get the largest settlement from my Country Insurance injury claim?

The best way to increase your settlement amount from a Country Insurance claim is by hiring an experienced personal injury attorney. Take advantage of a free consultation with Warshafsky Law to determine the true value of your case.

How do I get a settlement offer from Country Insurance?

You can file a claim with Country Insurance by calling the company’s 800 number or by dialing the number on the back of your proof of insurance card. Before depositing the check, speak with an attorney to better understand how much your claim is worth.

How can I negotiate settlement amounts with Country Insurance?

Country Insurance hires scores of claims adjusters and attorneys whose sole job is to limit or deny insurance claims. You can attempt to fight this yourself, but the road ahead will be difficult. Hiring an experienced law firm like Warshafsky Law shows the insurance company you mean business.