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

MAPFRE Settlement Payout Process:

  1. MAPFRE claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (866) 351-2548.
  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: MAPFRE requests insurance customers to use a MAPFRE-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 MAPFRE Insurance Association have teams of professionals dedicated to limiting or denying your settlement payout offer. 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 MAPFRE Insurance Association: MAPFRE Google Review page

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

MAPFRE Insurance is the 20th largest passenger vehicle insurance company in the US, with a network of more than 4,600 independent agents throughout 19 states. While many policyholders are happy with MAPFRE insurance, many are clearly not. Despite their “People who take care of people” tagline, there are plenty of MAPFRE policyholders who are not taken care of.

If you’ve been injured in an auto accident you had no fault in causing, you have every right to expect MAPFRE to compensate you for your expenses—in a timely manner. Unfortunately, insurance companies rarely offer fair settlements and they’re notorious for delaying everything, which is why so many policyholders hire an attorney. You need experienced Milwaukee car accident attorneys, like those at Warshafsky Law.

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. The personal injury legal team at Warshafsky Law has extensive experience dealing with insurance companies such as Allstate and the games they play to shortchange their policyholders. They know full well we won’t stand for it. With Warshafsky Law, you will get the settlement you’re owed.

If you were injured while on workplace property, while using a work vehicle, or while carrying out duties of your job, speak 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 MAPFRE settlement check?

After an accident, you need to file a claim with MAPFRE. You can file a claim online or by contacting your insurance agent. You’ll be put in touch with a Claims Service Center Representative, who will gather information about the accident from you. You’ll then be assigned to a Claim Representative, and a MAPFRE insurance Appraiser will inspect your vehicle and prepare an appraisal of the damage. Before you speak with anyone in their claims department, you need to be prepared.

Factors affecting your MAPFRE payout

Don't admit fault or volunteer information.

It’s likely that any phone conversations you have with the claims department at MAPFRE will be recorded, so you need to be careful what you say. If you say anything to suggest you contributed in any way to causing the accident, you’ve given them a reason to minimize your claim, or even deny it completely.

The claim rep from MAPFRE will gather as much information about your accident as possible, including the police report, witness statements, video footage from nearby cameras (if available), and any other sources they can find. This will be used to determine who was at fault for the accident. Anything they find that shows you were partially to blame will be used to justify a lower settlement offer.

Don’t sign a medical records release form without consulting an attorney.

In cases involving injuries, insurance companies almost always ask for a signed medical records release form. They’ll say they need this to verify the extent of the injuries you suffered, but giving them access to your entire medical history is a terrible idea. It’s not unusual for insurance companies to bring up unrelated or long-ago health issues as a reason to deny payment on a claim.

Don’t sign any medical records release form until you’ve consulted an attorney. A good lawyer can advise you on how to turn over the medical records relevant to your accident—nothing more.

DIY Personal injury claims: handling a MAPFRE claim on your own

Like all insurance companies, MAPFRE will tell you they just want to get your claim taken care of as quickly as possible so you can move on with your life. It sounds great, but all too often policyholders face endless runarounds and delays in getting their settlements. Ultimately, insurance companies only care about one thing: maximizing profitability by minimizing payouts.

The only sure way to get a fair settlement in a timely manner is to hire a personal injury attorney. If you’re thinking about handling your claim on your own, though, there are a few things you should know:

The settlement check is nothing more than an offer to settle.

After MAPFRE reviews all the information on your accident and the claim you submitted, they’ll send you a settlement check. Brace yourself, because it’s probably going to be less than you expected. It can be tempting to just go ahead and deposit the check, but think twice before you do. Once you deposit their check, you forfeit the right to negotiate for a higher settlement. The check they send you is really just an offer to settle. The amount can be negotiated, but if you deposit the check you’ve implicitly said you accept their settlement offer.

There is a 3-year statute of limitations on personal injury claims in Wisconsin.

You have one bargaining chip when dealing with an insurance company: the threat of a lawsuit. This option is only available in the first three years after your accident. If you’re still getting the runaround from your insurer after the three-year mark and haven’t filed suit, you forfeit the right to pursue legal action against them. Keep an eye on the calendar!

Don’t believe your insurance company if they say you don’t need a lawyer.

It’s almost inevitable that at some point in your dealings with MAPFRE you’ll ask “Do I have to get an attorney to get this resolved?” This is the last thing in the world they want you to do, so they’ll assure you there’s no need to get lawyers involved. Meanwhile, though, they have teams of lawyers at their end. If you’ve been getting the runaround from them, don’t believe any assurances that they’re working hard to get your claim settled. It’s time to get an attorney.

How to negotiate against a lowball settlement offer

DO your homework.

If you’re planning to handle a claim on your own, or are contesting a settlement, it’s a good idea to learn as much as you can about the claims process, particularly the games insurance companies play. We recommend this article on the most common insurance company tactics used to minimize your settlement. When you know what’s going on, it’s less likely you’ll be taken advantage of.

DO the math.

You need to have documentation for all the expenses your accident has caused you to incur: hospital bills, doctor appointments, bandages, crutches, pain killers, etc. Document your mileage/transportation costs for getting to and from doctor appointments, too, as well as the lost wages from days you couldn’t work because of your injuries.

Costs to consider when calculating the value of your claim:

  • Property damage
  • Car rental
  • Deductible
  • Hospital deductible
  • Prescription drugs
  • Chiropractic care
  • Pain and suffering
  • Lost wages
  • Future medical expenses
  • Subrogation

DON’T be pressured into anything.

Insurance companies all say they care about their policyholders, but they’ll do anything to minimize and delay your settlement. They do this in the hope you’ll get so frustrated and tired of dealing with them that you’ll accept whatever settlement they offer. Don’t do it. If your claim is legitimate and supported with evidence of your expenses, you have a right to be compensated.

DON’T trust “sign and settle” lawyers.

Personal injury law firms that boast about settling thousands of cases every year are known in the industry as “settlement mills.” These firms just want to settle your case with the insurance company, take their cut, and send you on your way. Insurance companies know these firms never bother to take a case to trial, so they get away with lowball offers. You have one shot at getting the settlement you’re owed. Don’t blow it by hiring a “sign and settle” lawyer who won’t fight for you.

DO get the opinion of an experienced personal injury attorney.

Even if you’re planning to take on your insurance company by yourself, at least take advantage of a free consultation with a personal injury attorney. Almost all reputable personal law firms offer this, Warshafsky Law included. You’ll meet with one of our experienced personal injury attorneys who will assess the strength of your case and let you know just how much is at stake.

Knowing what your claim is worth: MAPFRE settlement amounts

The best way to protect your right to a fair settlement from your insurance company is to have an experienced personal injury lawyer represent you. Warshafsky Law has a long history of fighting hard and winning big for our clients.

Insurance companies know if you’re represented by Warshafsky Law there’s a very real chance the case will end up in court, where they’ll be exposed to even greater losses than if they just offered a fair settlement to begin with. Suddenly, their settlement offer becomes more generous. If it’s reasonable, we’ll recommend you take it. If not, we’ll take your case to court.

Warshafsky Law represents MAPFRE Insurance policyholders nationwide

Warshafsky Law is based in Milwaukee, but we represent clients throughout the US. If you’re not in the Milwaukee area, you can schedule a free initial consultation by phone. At the very least, take advantage of our free consultation offer.

Contact Warshafsky Law for a FREE case assessment.

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