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

National General Settlement Payout Process:

  1. National General claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 468-3466.
  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: National General requests insurance customers to use a National General-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 National General 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 National General Insurance Association: National General Google Review page

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

National General Insurance, a division of National General Holdings Corp., provides auto, RV and home insurance to policyholders throughout the US. National General says “Count on us when you are behind the wheel,” but can you count on them when you’ve been in an accident behind the wheel? The best way to receive the most from your insurance claim is to collect all receipts and information related to your case and hire a lawyer.

Like all insurance companies, National General is in business to make money, and finding ways to pay less on their policyholder’s claims is one proven way insurers maximize their profits. Even less critical injuries like whiplash can mean weeks of rehabilitation therapy, added bills, inability to work, etc. If you think the settlement is unfair, we can help you make a counteroffer, and stop the insurance company from lowballing you.

The top-rated legal team at Warshafsky Law includes former insurance industry attorneys, so we know exactly how insurance companies operate. If you’ve been injured in an auto accident, your best chance of getting the settlement you deserve is with an experienced personal injury attorney representing you.

Injured? it is about the money®

How do I get my National General settlement check?

You can file a claim with National General online or by calling an 800 number. Throughout the claim process, you can expect everyone at National General—from the customer service representative to the liability examiner and claims adjuster—to assure you they are working hard to make things right for you. Keep in mind that insurance companies have a way of disappointing policyholders when money is on the line.

Contesting a settlement offer on your own or with representation from a sign-and-settle lawyer almost always results in a disappointing offer. Insurance companies value your claim based on the law firm representing you. Most of these firms are happy to cut a deal, take their cut, and send you on your way.

Warshafsky Law, on the other hand, prepares every case to go to trial. Our long history of winning big in court strikes fear in the hearts of insurance companies. The first reaction will likely be a more generous offer of settlement. If it’s reasonable, we’ll advise you to take it. If not, we’ll take your insurance company to court to get you everything you deserve.

Factors affecting your National General payout

Don’t admit fault or volunteer information.

When you get the call from a claim representative at National General, keep in mind it’s probably being recorded. If you say anything to give them the slightest justification to dispute or deny your claim, that’s exactly what they’ll do.

As part of the claims process, National General will gather information from the accident scene, witnesses, police reports, and any other source they can find. They’re looking for anything they can use to delay, dispute, or deny your claim.

Don’t sign any medical records release forms without consulting an attorney.

It’s likely a National General claim adjuster will ask you to sign a form granting the insurance company access to your medical records. All your medical records. Don’t do it. Unrelated and long-past medical issues you may have had can be used to dispute or deny your claim. Your best course of action is to consult an experienced personal injury attorney for advice on which medical records are relevant and appropriate to share with your insurance company.

How to negotiate against a lowball settlement offer

Insurance adjusters are trained to settle claims quickly with the smallest payout possible. The best way to ensure you get the settlement you’re entitled to is to retain a personal injury attorney to deal with the insurance company. If your injury occurred on workplace property, while using workplace vehicles, or while carrying out duties on the job, you should speak to a workers' compensation lawyerIf you choose to settle your claim on your own, there are some important things you need to know:

A settlement check is only an offer to settle.

The check the insurance company sends you is not a definitive statement of the value of your claim. In most cases, it’s a lowball offer they hope you’ll take. Once you deposit the check, your case is closed and you will not be able to negotiate for better compensation for your injuries. It can be very tempting to deposit the check, but if it’s an inadequate amount for the expenses you’ve incurred you need to resist the temptation to deposit it.

There is a statute of limitations on personal injury claims.

Your one bargaining chip when dealing with an insurance company is the threat of a lawsuit. In Wisconsin, the statute of limitations for filing suit is 3 years. If you’ve been unable to resolve your claim with National General and don’t file suit against them within 3 years (from the date of the accident), you lose the option of filing suit and will be stuck with whatever National General offers.

If your insurance company advises you not to speak to an attorney, don’t listen.

The last thing National General wants is for you to have an attorney representing you. This makes it much harder to for them to get away with a lowball settlement on your claim. They may tell you there’s no need to get a lawyer involved, yet they have entire office floors full of lawyers looking out for their best interests. Your best shot at getting the settlement you deserve is with an experienced personal injury lawyer to look out for yours.

Do your homework.

Be prepared to explain the reason for your injury claim. If you can make specific points proving the value of your claim it demonstrates knowledge of the process and shows the claims adjuster you’re serious.

Do the math.

Save every medical bill, receipt for prescription or non-prescription medical expenses (braces, bandages), written repair estimates, mileage going to and from the doctor, and any other related costs. You need this to show the full extent of your losses.

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 rushed.

Be prepared for the low-ball settlement offer your insurer will make. The ensuing settlement negotiations will drain your time and energy. Making the process difficult and time-consuming is part of their strategy. Don’t cave in to the pressure to settle, and keep in mind there’s a 3-year time limit for filing a lawsuit.

Don’t trust “sign and settle” lawyers.

A firm or attorney boasting about how many cases they’ve settled is probably a settlement mill. They’re quick to take their cut of an insurance payout and move on to the next case—regardless of whether the amount fairly compensates for damages, losses, and the pain and suffering you’ve endured.

Consider hiring a personal injury attorney.

Almost all personal injury firms offer a free initial consultation, ours included. Take advantage of it, if only to get a professional’s opinion of the strength of your case. A free case assessment will help you understand the full value of your injury claim.

Knowing what your claim is worth: National General settlement amounts

Some damages are easy to calculate, such as repair costs and medical bills. However, calculating lost wages and lost earning potential can be difficult, especially if you’re self-employed or between jobs. You may also be entitled to damages for pain and suffering, or mental anguish, which can also be difficult to quantify. The only way to have serious bargaining power is with the threat of a lawsuit. Insurance companies know the only limit on a settlement amount is determined by a jury trial, and it’s in their own best interest to settle out of court. 

Although Warshafsky Law is based in Milwaukee and Madison, WI, we represent clients throughout the US. You can take advantage of our free initial consultation with one of our attorneys over the phone if you’re outside the Milwaukee area. If you decide to hire us, you’ll pay no legal fees until you have received your settlement.

Contact Warshafsky for a FREE case assessment today and take action to get the money you're owed.

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