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

MetLife Settlement Payout Process:

  1. MetLife claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 854-6011.
  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: MetLife requests insurance customers to use a MetLife-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 MetLife 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 MetLife Insurance Association: MetLife Google Review page

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

MetLife is the commonly used abbreviation for Metropolitan Life Insurance Company, which is one of the world’s largest insurance companies. Founded in 1868 in New York City, the company has over 90 million customers in more than 60 countries. MetLife was known for their use of the Peanuts comic strip characters in their advertising—a calculated attempt to make their company more friendly and approachable.

As is the case with all insurance companies, the first settlement amount from MetLife will be as low as possible. Thankfully, it's nothing more than an offer. 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! 

Milwaukee car accident attorneys at Warshafsky are highly experienced in negotiating with MetLife and other insurers to secure the maximum settlement amount for injured victims of car accidents. Some of our lawyers are even former insurance industry attorneys, giving our legal team a unique understanding of the MetLife settlement process and how insurance companies operate.

If your injury occurred while on workplace property, while using workplace vehicles, or while carrying out duties of your job, schedule a free consult with our workman's comp lawyers to discuss the true value of your case.

Injured? it is about the money®

How do I get my MetLife settlement check?

Like all big auto insurance companies, MetLife offers the option of filing a claim online, over a mobile app, or by calling a toll-free number. We’d love to tell you they respond quickly with a check big enough to cover repairs or replacement of your vehicle and all medical bills you’ve incurred. But that’s rarely what happens.

Like all insurance companies, MetLife’s primary goal is to minimize their payout on claims. In fact, the more damage to your vehicle, or to you, the harder they’ll try to diminish the value of your claim.

Factors affecting your MetLife payout

Once you’ve filed a claim with MetLife, a liability examiner (also known as a claims adjuster) is assigned to your case. The adjuster then gathers information to use in evaluating your claim. The sources for this information come from:

  • Pictures and measurements taken at the accident scene
  • Police reports and statements from witnesses and passengers
  • Various repair estimates
  • Anything you say

After the claims adjuster has gathered all this information, a decision will be made on how much MetLife is willing to pay for your claim. Often, you’ll be sent a check for the amount they’ve decided is reasonable. More often than not, it’s not nearly enough to cover the expenses you’ve incurred as a result of the accident.

While it may be tempting to deposit the check, especially if you have medical bills piling up, don’t do it until you’ve had a chance to speak with an attorney. Insurance companies are notorious for lowballing claims, and one of the tricks they use to get people to go along with them is dangling a check in front of them.

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

You may be wondering how to file a personal injury claim without a lawyer, but you should know your best chance at a fair settlement is with the help of an attorney. If you’ve never been through the claims process, you need to understand the risks you face by handling it yourself. We recommend you start by reading up on the most common insurance company tactics used to minimize your settlement.

After filing a claim, the insurance company’s liability examiner starts gathering information on the accident. You’ll likely be the first person contacted. Beware: although the insurance adjuster will probably seem like a nice person who just wants to help, he/she will be fishing for anything they can use to deny, delay or dispute your claim. Be very careful what you say, and NEVER admit to being even partially at fault for the accident.

Watch what you say

If you get a call from an insurance adjuster before you’ve had time to prepare yourself for the conversation, just say that this isn’t a good time to talk and ask for a callback number. You’re under no obligation to speak to them on their schedule, so be firm but polite in your request to postpone the call.

When you do speak with the adjuster, keep in mind that the phone call will likely be recorded. You need to be consistent in your account of what happened. Any inconsistency or misstatement, however innocent, will give the adjuster ammo for disputing your claim.

Document every contact with the insurance company

You’ll likely have more than one phone call with an adjuster, or with other reps from the insurance company. Keep a log of every phone contact and follow up each one with a short letter or email outlining what you were told the insurance company is going to do. If the insurance company later reneges on a promise or tries to dispute the timeliness of your claim, you’ll have documentation to show otherwise.

Understand what you’re up against

When you’re dealing with a big insurance company like MetLife, the rep on the phone isn’t the only person you’re up against. Behind the rep is an army of lawyers with hundreds of strategies to minimize their payout on your claim.

A favored tactic of insurance companies is to delay the claims process past the statute of limitations in order to shut you out of taking legal action. In Wisconsin, the Statute of Limitations on filing suit over a personal injury accident is 3 years, and you’d be amazed how an insurance company can drag their feet for 3 years.

Suing the insurance company is your ONE bargaining chip in the claim negotiation process. If you’re shut out of doing so by the Statute of Limitations, you’ll be stuck with whatever lowball settlement offer they make you.

How to negotiate against a lowball settlement offer

To be frank, your best chance at getting a fair settlement from MetLife is to have an experienced personal injury lawyer at your back. There are, however, some things you can do to increase your odds of getting a fair settlement.

1. Don’t lose your cool.

Getting the runaround from an insurance company is enough to drive anyone crazy, but resist the temptation to fly off the handle. Grit your teeth and stay polite. If you’re not making any headway, ask to speak with a supervisor or another rep.

2. Be prepared.

Before you even start the claims process, you need to have detailed information on what your auto accident cost you. Since there may well be ongoing medical costs, you need to keep track of them. You can also document pain and suffering with photos of your injuries (the more gruesome, the better), pain medications you’ve been prescribed, and statements from your doctor or physical therapist.

3. Keep track of all expenses.

Your claim should reimburse you for all the expenses you’ve incurred as a result of your accident.  Medical bills, out-of-pocket costs for your appointments, chiropractic care, car repair costs, transportation to and from doctor appointments and lost income from not being able to work. If your injury requires ongoing care, future medical expenses can be included in your claim, too.

4. Talk to a lawyer.

Before you decide to handle the claims process on your own, at least get some input from an experienced attorney. Almost every personal injury law firm offers a free, no-obligation initial consultation, Warshafsky Law included. Once we hear about your situation, we’ll be able to give you our take on what sort of settlement the insurance company should be offering you. Then you can decide whether to retain an attorney or continue handling the claim yourself.

5. Hire an experienced personal injury lawyer.

If you want to be sure you get everything owed to you, hiring an attorney is the way to do it. Besides having the legal knowledge it takes to beat behemoth insurance companies at their own game, an attorney relieves you of all the stress of having to deal with the insurance company on your own. In fact, once you retain an attorney, the insurance company is legally obligated to only communicate with your attorney.

Knowing what your claim is worth: MetLife settlement amounts

Despite the “feel good” commercials insurance companies run, the reality is that they put their bottom line before your well-being. Warshafsky Law, however, is committed to seeing you get everything you need to put your life back on track after an auto accident.

When it comes to dealing with insurance companies, you need an attorney willing to put up a fight—not a “sign and settle” lawyer who will play ball with insurance companies just so they can take their cut of your settlement and get back to the golf course. Warshafsky Law is a serious law firm prepared to take every case to trial—which is why insurance companies hate it when their policyholders hire us.

Faced with the prospect of unlimited liability in a jury trial, insurance companies usually have a sudden change of heart and make very reasonable settlement offers. If they don’t, we take them to court and win massive judgments for our clients. We will take on any company to settle an insurance claim, including local firms like Artisan & Truckers Casualty Company

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

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