How to Negotiate a Car Accident Injury Claim with Amica Insurance | Colorado Springs Injury Lawyers
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Amica Insurance is a smaller company that usually rates higher in customer satisfaction than its larger insurer counterparts. Still, this does not mean that you will and should be 100% satisfied with the first settlement value that Amica offers you. Amica has to make money somehow, so the first settlement value you are proposed may very well be less than you deserve.
If you are considering negotiating a settlement with Amica, you should know all of your legal options to recover your losses and fight to get paid the full value that you are injured.
Filing Your Claim with Amica
Amica’s website presents some helpful avenues to get started filing your claim. You can report your claim by phone or online. They also have an interactive guide to explain the claims process. However, given the company’s financial interest in proposing a minimal settlement, it may also be a good idea to do your own preliminary research as well.
After your claim is filed, an insurance adjuster will start to investigate it. The adjuster wants to sum up the damage to arrive at a total proposed settlement amount. Adjusters ultimately work for the insurance company, and are thus incentivized to dig up information that will limit your claim.
Keep in mind that any information you provide the adjuster will be factored into their proposed settlement value. For this reason, you should be careful to document your injuries and be wary in jumping to conclusions immediately after the accident. For additional documentation, you should call the police to the scene to file a police report. Your word against another driver’s may not stand up in court, but the factual recollections of an officer carry great credibility.
As to documentation of your injuries, initial shock and adrenaline may cause you to jump to conclusions about your blameworthiness and to overlook your physical state. As a general practice, it is usually a good idea to visit a doctor immediately following the accident. Some of your injuries may develop later or may be hard to detect while you are in shock. Instead, someone with medical expertise can help you realize the extent of your injuries and document them with a medical report for potential settlement purposes.
Finding the Right Attorney to Fight for You
Just as a doctor may use his or her expertise to help you realize the physical extent of your injuries, the right car wreck lawyer can help you to calculate exactly how much you have lost in the accident.
There may be some categories of losses other than medical expenses that you initially overlooked. An accident can bring with it not only medical bills and property damage but also long-term treatment costs, pain and suffering, or lost wages. Taking that into consideration, it may be in your best interest to meet with an attorney to ensure that you have properly appraised the full value of your losses. Doing so at the outset can pay dividends later down the road.
A trusted injury attorney can further help give you more bargaining power in the eyes of Amica. If you attempt to represent yourself in negotiating, Amica may take you less seriously because it believes you will not stand up to its corporate attorneys in court. The right attorney will recognize the unique components of your case and commit help you recover the amount you are entitled to.
Get Help from Our Colorado Springs Car Accident Attorneys
At Zinda Law Group, our Colorado Springs personal injury attorneys have helped crash victims get favorable settlements from Amica and other insurers. Our skilled team has the know-how, resources, and proven track record to represent your best interests in court.
Our firm also believes that a car accident victim should never have to worry about their ability to afford excellent legal representation. That is why we offer 100% free consultations, and why you will pay nothing unless we achieve a favorable settlement, judgment, or verdict for your personal injury case. That’s our No Fee Guarantee.
If you or a loved one has been injured in a wreck and is wanting to negotiate their claim with Amica Insurance, call Zinda Law Group at (800) 863-5312 to receive your free consultation with our Colorado Springs car accident lawyers.
Meetings with attorneys are available by appointment only.