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

Erie Insurance Settlement Payout Process:

  1. Erie Insurance claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 367-3743.
  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: Erie Insurance requests insurance customers to use a Erie-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 Erie 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 Erie Insurance Insurance Association:Erie Insurance Google Review page

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

Erie Insurance is a national insurance company offering auto, home, business, and life insurance. It consistently has a place on Fortune magazine’s Fortune 500 list of the largest companies in the US. The company was started in 1925 by two insurance company men with a vision to create an insurance company that puts customer service above everything else.

Milwaukee car accident attorneys and asbestos lawyers at Warshafsky Law have extensive experience negotiating higher settlements for injury victims with companies like Allstate, Kemper, NationwideGeico, Travelers, USAAProgressive Insurance and more. With attorneys on staff who have worked for insurance companies, we know exactly how insurance companies operate and how to deal with their tactics.

Even less threatening injuries like whiplash can mean weeks of rehabilitation therapy, added bills, inability to work, etc. If you think the settlement is unfair, it probably is! Our top-rated attorneys can help you make a counteroffer and keep the insurance company from lowballing you again.

Maximize your settlement by not accepting Erie Insurance's initial offer. The initial offer is almost always as low as possible and can be negotiated. This is where an aggressive personal injury lawyer can help increase your settlement.

If your injury occurred on workplace property, while using workplace vehicles, or while carrying out the duties of your job, speak with our work injury lawyers to discuss the true value of your claim.

Injured? it is about the money®

How do I get my Erie Insurance settlement check?

While most insurance companies have embraced the Internet for filing claims, Erie Insurance offers just two options for filing a claim: calling your local Erie agent or calling Erie Insurance. Like all insurance companies, Erie promises to get your claim settled quickly.

After you submit a claim, Erie Insurance will have a claims adjuster contact you to get more information about your accident. Adjusters are always very sympathetic to your predicament, with promises to get your claim taken care of quickly. As much as it seems they’re really looking out for you, their allegiance is to Erie Insurance first and foremost—and they always look for ways to limit or deny your claim altogether.

After gathering all the information, Erie Insurance will make a decision on how much they’re going to pay on your claim. Usually, a check is sent out. Don’t be surprised if it’s less than you were expecting. While you may be tempted to deposit the check so you can start paying off your medical bills, hold off until you’ve had a chance to get an experienced personal injury attorney’s opinion.

Factors affecting your Erie Insurance payout

At the start of the claims process with Erie Insurance, the insurance adjuster will gather as much information as possible about the accident. This information usually comes from:

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

At some point, you may be asked to sign a medical records release form. CAUTION: These forms can give your insurance company unfettered access to your entire medical history. If there’s any issue in your past they can use to dispute your claim, you can bet they’ll use it. Any experienced personal injury attorney can advise you on what forms are appropriate to share with your insurer.

Insurance companies are known for lowball payments on claims, and the check they sent out is just an offer of settlement. Everything can be negotiated, but not if you deposit the check. Doing so would be an implicit and irrevocable agreement to the settlement.

Handling an Erie Insurance injury claim on your own

Most accident victims proceed headlong into the claims process on their own, never realizing the minefield they’re walking into. If you’re inclined to handle your claim without an attorney, you need to understand the risks ahead. For a primer, we suggest reading the most common insurance company tactics used to minimize your settlement.

Be careful what you say

The call you get from the Erie Insurance claims rep at the outset of the claims process can make or break your claim, and you need to be well prepared for it. If you get a call shortly after your accident and haven’t had time to prepare yourself, just tell the claims rep you’re not able to talk right now and ask for a number where you can call back. You have no legal obligation to speak to anyone at the insurance company the minute they call, so be firm but polite in your request to speak with them at another time.

Document all your contacts with your insurance company

In most cases, you’ll have more than one phone conversation with the claims adjuster, or with other people at Erie Insurance. It’s a good idea to keep a log of every phone call and follow up each one with a short letter or email outlining what next steps the insurance company said they will be taking. If they later try to deny saying what they said, you’ll have documentation to show what they actually said.

Know what you’re up against

It may seem like the rep you’re dealing with over the phone is the only person you’re dealing with at Erie Insurance, but above this person are dozens of upper management employees and attorneys—all with a playbook of strategies to minimize payout on your claim.

One of the most commonly used tactics of insurance companies is to delay the claims process past the statute of limitations so you will be blocked from taking legal action against them. In Wisconsin, the statute of limitations for filing suit against an insurance company is 3 years. Seems like a long time, but you’d be amazed at how insurance companies can drag their feet for 3 years. Suing your insurance company is the one bargaining chip you have in the claims process, so be wary of this timeline. Once the 3-year window has passed, you’ll be stuck with whatever settlement offer Erie Insurance makes.

How to negotiate against a lowball Erie settlement offer

Your chances of getting a fair settlement from Erie improve dramatically with an experienced personal injury lawyer on your side. To improve your odds of success, here are a few strategies to use.

1. Don't lose your cool.

When you’re getting the runaround from your insurance company, it’s easy to lose your cool. Resist the urge to “give them a piece of your mind” and keep it civil.

2. Document all your expenses.

Before you start the claims process, you need detailed information on what your auto accident has cost you. Since there may well be ongoing medical costs, you’ll need to keep track of them, too. You can also document pain and suffering with photos of your injuries, pain medications you’ve been prescribed, and statements from your doctor or physical therapist. Include your transportation costs to and from medical appointments and lost income from not being able to work.

3. Get the medical care you need.

After a serious injury accident, you’re going to need ongoing medical attention. Often, chiropractic care and physical therapy are necessary. Don’t deny yourself the care you need because you’re concerned about not getting reimbursed by your insurance company. Your health and well-being is too important

4. Don’t sell yourself short.

By the end of the negotiation process, you will be tired. Insurance companies count on fatigue to force you into accepting a lower settlement. Be persistent.

Know your timeline. Insurance companies have delayed settlements so effectively they exceed the statute of limitations. Once the statute of limitations expires you can no longer call on your biggest bargaining chip – taking legal action and hiring an attorney from Warshafsky Law.

5. Consider hiring an attorney.

Many accident victims start the claims process thinking there’s no reason to hire a lawyer, but quickly find out that dealing with an insurance company can turn into a full-time job—and a very stressful one, at that. Once you hire an attorney, that burden is taken off your shoulders. All communication on your claim has to be handled through your attorney.

Sometimes you’ll be able to work with an insurance adjuster to reach a mutually agreed-upon settlement amount. If your injury was minor and you feel confident you’ve been fairly compensated, you can move on. However, if you’ve sustained significant injuries or the final outcome of your medical treatment is unclear, it can be hard to know from a limited perspective whether the amount you’re looking at is adequate. An experienced personal injury attorney has seen a wide range of insurance settlements and understands how to calculate the comprehensive value of your claim.

Knowing what your claim is worth: Erie settlement amounts

Insurance companies like to portray themselves as friendly do-gooders, but the reality is they’ll do everything they can possibly do to minimize payouts on their policy holders’ claims. It’s easy for them to give you the runaround, but things change quickly once you have an attorney representing you.

The attorney you hire to represent you may well be the most critical factor in getting the settlement you deserve. While many personal injury law firms “play ball” with insurance companies, encouraging their clients to settle with their insurance company so they can collect their fee and move on to the next case as quickly as possible, Warshafsky Law doesn’t.

Aggressive legal representation makes the difference

Unlike "sign and settle" law firms that insurance companies know will never take a case to trial, Warshafsky Law prepares every case for trial from day one—and we aren’t timid about taking cases to trial. Insurance companies dread this because if they lose in court, they risk losing even more money than if they just offered a fair settlement, to begin with.

When Erie Insurance finds out you’re being represented by Warshafsky Law, your settlement offer will likely become much more generous. If we can negotiate a reasonable offer for you, we’ll recommend you take it. If not, we’ll take the case to court to ensure you get everything you’re owed.

With Warshafsky Law representing you, you’ll owe nothing in legal fees until you have your settlement, and our No Win, No Fee policy ensures you have nothing to lose by hiring us.

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

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