Lowball settlement offer from Erie Insurance 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 injury discovery date.”
  3. Repair shops: Erie Insurance requests insurance customers to use an 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.
  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 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 

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

Erie Insurance is a national company offering auto, home, business, and life insurance. Maximize your settlement by not accepting Erie Insurance's initial settlement offer for your accident. 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.

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.

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 and make a counteroffer to keep them from lowballing you. 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!

Injured? it is about the money®

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 from:

  • The police report
  • Passenger and witness statements
  • Photos and measurements from the scene
  • Researching repair estimates
  • Anything you say

You may be asked to sign a medical records release form that gives your insurance company unfettered access to your entire medical history. They'll use any issues from your past to dispute your claim. 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 send out is just an offer of settlement. Everything can be negotiated, but not if you deposit the check. 

Handling an Erie Insurance injury claim on your own

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. Here are a few tips on how to handle the process alone:

1. 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. 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.

2. Document all contact with your insurance company

In most cases, you’ll have more than one phone conversation with the claims adjuster, or 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 try to deny what they said, you’ll have documentation.

3. 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 there are dozens of upper management employees and attorneys—all with a playbook of strategies to minimize payout on your claim.

A common tactic 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 is 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 success rate, use these strategies:

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. You’ll need to keep track of ongoing medical bills 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 are too important.

4. Don’t sell yourself short.

Insurance companies count on fatigue to force you into accepting a lower settlement. Be persistent. Know your timeline. Insurance companies have delayed settlements so they effectively 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 stressful full-time job. 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 is 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. 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. Insurance companies dread this because if they lose in court, they risk losing even more money than if they just offered a fair settlement from the start.

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. 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.

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6 WI Car Accident Laws that Impact your claim

 biggest lies about vehicle repairs

An "Erie Insurance 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 Erie Insurance 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 Erie Insurance body shop near you…”

In truth, no one working for Erie Insurance 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 Erie Insurance 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. Erie Insurance 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. 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 Erie Insurance. Warshafsky Law offers free case assessments. 

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

Like most insurance companies, Erie Insurance does not have a set date you must file a claim by. If you wait long enough that Erie can no longer investigate the accident, you may have your claim denied. In the state of Wisconsin, individuals have three years to file a personal injury lawsuit.

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

If you're in an at-fault car accident, you can expect your Erie Insurance to go up by an average of 30%.

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

The only way to receive the maximum settlement from an Erie Insurance claim is to hire an experienced personal injury attorney. File as soon as possible, be patient, and know what your claim is worth by calculating all costs related to your accident.

How do I get a settlement offer from Erie Insurance?

To file a claim after an accident with Erie insurance you can either call your local Erie agents or call Erie Insurance. Usually a check is sent after Erie gathers all the information pertaining to your accident. Hold off on depositing the check until you get the chance to talk to an experienced personal injury attorney.

How can I negotiate settlement amounts with Erie Insurance?

If you believe you're being lowballed when it comes to your Erie Insurance settlement offer, hire an experienced auto accident attorney to negotiate a higher settlement offer. A few other strategies you could try include documenting all your expenses and recording any form of communication with the insurance company.

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