When you speak with anyone at Kemper about your claim, you’ll get the usual assurances they’re working hard to get your claim settled as quickly as possible so you can get on with your life. Sounds great, until you’ve heard it 20 times.
Unfortunately, insurance companies are rarely in any hurry to get your claim settled quickly. Or fairly. Their primary objective: maximize profitability by minimizing payouts. All too often, policyholders face endless delays and runarounds.
The only way to ensure you get a fair settlement in a timely manner is to hire a personal injury attorney, preferably one with plenty of experience dealing with insurance companies.
If you’re contemplating handling your claim on your own, here are a few pointers that may help:
The settlement check is nothing more than an offer to settle.
After Kemper’s claim adjuster reviews your claim, they’ll make a decision on how much to pay on it and send you a check. Don’t be surprised if it’s less than you expected. Although you probably have bills piling up from your accident, resist the temptation to deposit the check. Once you do, you’ll be barred from negotiating a higher settlement. Their check is nothing more than an offer to settle. It can be negotiated, but if you deposit the check you’ve implicitly agreed to their settlement offer.
Wisconsin has a 3-year statute of limitations on personal injury claim lawsuits.
When you’ve had it with your insurance company’s shenanigans, your one recourse is to sue. You only have this option in the first three years after your accident, though. If you’re still getting the runaround after three years from the date of your accident and haven’t filed suit, you lose the right to file a suit against them.
If your insurance company says you don’t need a lawyer, start looking for one.
Unfortunately at some point in your quest to get your settlement check, you’ll find yourself asking the insurance company rep: “Do I have to get an attorney to get this resolved?” They’ll assure you there’s no need to get lawyers involved because they’re “working hard to get this resolved.” They have armies of attorneys, so why shouldn’t you have one looking out for you?