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

Travelers Insurance Settlement Payout Process:

  1. Travelers Insurance claim phone number: Call the number on the back of your proof of insurance card or dial the national phone number: (800) 252-4633.
  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: Travelers Insurance requests insurance customers to use a Travelers-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 Travelers Insurance 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 Travelers Insurance Insurance Association: Travelers Insurance Google Review page

No win. No fee. Free Case Assessment.

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

The best way to maximize your settlement claim after an accident is by being patient, documenting all your expenses, and hiring a personal injury attorney from Warshafsky Law. Insurance companies like Travelers Insurance make money by limiting or denying claims of policyholders. Without representation, expect to be lowballed.

Milwaukee car accident attorneys at Warshafsky Law have extensive experience negotiating with insurance companies to get the highest possible car accident settlements from insurance companies for our clients. Some of our attorneys have worked for insurance companies in the past. We know firsthand how insurance companies operate and are well equipped to deal with the tactics they use to delay and deny claims.

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 Travelers settlement check?

As soon as possible after your accident, you’ll need to file a claim with Travelers Insurance. Once you’ve filed a claim for your accident, Travelers will assign a “claim representative” to your case. Response times are usually quick - they want to get a check in your hands as fast as possible with the hope that you’ll cash it without objecting to the amount. This settlement check is nothing more than an offer to settle, however, and can be negotiated with the help of an injury attorney. Once you deposit the check, you’ve accepted the offer, and you are barred from negotiating for a higher settlement. Don’t deposit the check until you have Warshafsky attorneys assess the true value of your claim at a free initial consultation.

Factors affecting your Travelers payout

The claims adjuster gathers information about your accident claim from these sources:

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

If an adjuster calls you shortly after your accident, you are NOT obligated to give a statement. Be firm but polite, ask for a number and call back when you’re ready.

Never forget: insurers will track down any information they think they can use to deny, dispute, or delay your claim. The bottom line is always saving their own money. The claims adjuster you speak to may sound like—and probably is—a nice person. But expressing concern and saying they’ll take care of you is more strategy than sympathy.

Avoid being taken advantage of during the claim process by having an experienced personal injury lawyer on your side.

DIY Personal injury claims: handling a Travelers 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're determined to go it alone, there are some things you should know. After you’ve submitted a claim form for your injuries, you can expect a call from a “claims representative” at Travelers Insurance. This is the term insurance companies use for a claims adjuster, and his/her job is to determine how much Travelers will pay on your claim.

You need to be prepared for this call. Despite how nice this person may seem on the phone, he/she will be looking for anything that can be used to lessen the amount they pay on your claim—or deny it altogether. If this sounds overly cynical, we suggest you read up on the most common insurance company tactics used to minimize your settlement.

The most important thing to remember is to never implicate yourself as being in any way responsible for the accident. The claims adjuster will latch onto this and use it to dispute your claim. The conversation you have over the phone will likely be recorded, so keep this in mind. Often these calls come shortly after the accident, so if you haven’t had time to prepare yourself, just let them know this isn’t a good time to talk and ask for a callback number. You have no legal obligation to talk to them right when they call.

At some point, you may be asked to sign a medical authorization form allowing the insurance company full access to your medical records. Don’t do it! These forms are typically worded in a way that allows your insurance company complete access to your personal medical history. Once they get into your records, they look for any medical issue in your past that they can use to dispute your claim. A personal injury attorney can discern which records are appropriate to hand over, and when to do so.

Things to keep in mind if you’re handling a claim on your own:

Document all your contacts with Travelers Insurance.

After every phone conversation with your insurance company, follow up with a letter or email outlining what you were told they’ll be doing to settle your claim. The idea is to have a paper trail documenting everything in case they later say “We never said that” or suddenly decide they aren’t going to honor a promise they made.

Be wary of the determination of liability.

Determination of liability is a critical factor in a personal injury claim, so you need to be prepared to fend off even the slightest insinuation that you contributed to the accident in any way. In cases where there’s any question about who caused the accident, expect a fight from the insurance company.

You’re up against an army of lawyers.

You may only have contact with one person at Travelers Insurance, but behind this person is hundreds of lawyers with all kinds of tricks for delaying and denying injury claims. You may think your years of being a loyal customer would ensure you’ll be treated well, but this is unfortunately not the case when money is at stake.

Remember there’s a statute of limitations.

One of the favored tactics of insurance companies is to drag their feet on your claim to the point you’re shut out of taking legal action against them. In Wisconsin, you have three years from the date of an accident to file suit against an insurance company.

If they delay your claim past the three-year point, you’re barred from taking any legal action against them and stuck with whatever lousy settlement offer they make.

Don’t accept less than you deserve.

When you’re injured in an auto accident and have medical bills piling up, it’s understandable to just go along with whatever lowball settlement the insurance company is offering so you can get the bill collectors off your back. Don’t do it! Fight back with the help of Warshafsky Law.

How to negotiate against a lowball settlement offer

It’s easy for a big insurance company to walk all over an individual, which is why most accident injury victims end up hiring an experienced personal injury lawyer at some point. However, there are some strategies you can use to increase your settlement offer:

1. Stay cool

Dealing with an insurance company can be maddening, but unloading on them will only give them ammunition to stop taking you seriously. Stay as calm as you can and ask to speak with a supervisor if you’re not getting anywhere with the Travelers employee you’re dealing with.

2. Know how much you’re asking for

If you’re contesting a settlement offer, you can’t just tell them their settlement offer is too low. You need an itemized list of expenses you’re seeking reimbursement for. In addition to actual expenses, you can also ask for reimbursement for pain and suffering

Photos of your injuries, the pain meds you’ve been prescribed, and statements/notes from your doctor, physical therapist, and chiropractor all testify to your pain and suffering. If they're lowballing your car repair or replacement, you’ll need documentation to show the actual value of the car, or what repairs will actually cost.

3. Keep track of all your expenses

Besides medical bills, out-of-pocket costs for appointments, physical therapy, and chiropractic care, keep records and receipts for your car repair costs, transportation to and from medical appointments. If your injury requires continued medical care, ask your doctor to outline the ongoing care you’re likely to need. You should also keep track of the time you’ve lost from work due to your injuries, as your lost income should be compensated, too.

4. Consult an attorney

Even if you’re totally committed to handling your claim by yourself, take advantage of the free initial legal consultation most personal injury law firms offer. At the very least, you’ll be able to get an idea if the settlement you’re looking to get is reasonable or not. And if it gets to the point you need to hire an attorney, you’ve already met with and gotten a good feel for the firm you visited.

5. Hire a personal injury lawyer

If you want the most from your accident injury claim, get a lawyer. Once you’re represented by an attorney, it gets more difficult for the insurance company to play games. You’ll feel like a weight has been taken off your shoulders too since the insurance company is now legally obligated to communicate only with your attorney. Of course, you’ll want an attorney with a proven track record of coming through for accident victims. That’s where Warshafsky Law comes in.

Knowing what your claim is worth: Travelers settlement amounts

There is no shortage of personal injury law firms, just be cautious about who you retain to represent you. Most personal injury law firms fall into the “sign and settle” category. You’ve probably heard their radio ads bragging about settling “thousands of cases.” They’re quick to cut a deal with the insurance company so they can collect their fee and move on to the next case. Insurance companies know these law firms rarely ever take a case to trial, so they lowball their settlement offers.

Warshafsky Law, on the other hand, prepares every case from day one as though it will go to trial. Insurance companies are aware of our history of winning huge judgments for our clients and they know a court proceeding can expose them to massive losses, as well as a lot of negative publicity. They suddenly become more generous in their settlement offers once they find out Warshafsky Law is representing their policyholder. If the settlement is reasonable, we’ll advise you to settle. If it isn’t, we’ll take them to court. We fund every case, meaning you won’t owe us a thing until you have received compensation for your injuries, and our No-Win, No-Fee policy ensures you don’t owe us a thing if we don’t come through for you. With Warshafsky Law, you have nothing to lose.

Contact Warshafsky for a free case assessment and make sure your injury claim is taken seriously.

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