What to Expect in an Injury Settlement with Amica Insurance | Colorado Springs Injury Lawyers
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Although it may not be the largest or most popular, Amica Insurance is one of the oldest insurance providers in the country. The Rhode Island-based company has approximately 44 locations across the United States, and it has often been regarded as relatively customer-friendly when it comes to insurance providers.
Despite its favorable customer reviews, it is important to remember that Amica is still in the insurance business, which means that the company’s primary goal is to remain profitable. Amica makes sure that this is accomplished by minimizing the amounts it pays out for customer claims and claim settlements.
The claim filing and claim settlement processes can often be confusing, frustrating, and stressful. Understanding what the process consists of, as well as having a skilled and experienced personal injury attorney on your side, can help keep the stress to a minimum. An experienced personal injury attorney can also help prevent insurance companies from taking advantage of your lack of expertise when it comes to the process.
If you or a loved one has been hurt or injured by an individual or entity covered by Amica Insurance, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our skilled and experienced Colorado Springs personal injury attorneys.
Filing a Claim
After being injured in a car accident or other event, you may need to file a claim with Amica Insurance in order to receive compensation for your injuries and damages. The most common methods of filing a claim with Amica are by phone or through the company’s website.
When filing a claim, it is important to have some key information on hand in order to facilitate the claim filing process. Although the information will vary depending on the circumstances, Amica suggests that you keep a record of:
- The names, addresses, and phone numbers of the individuals involved in the accident;
- The date, time, and location of the accident;
- The make, model, and license plates of the vehicles involved (if applicable); and
- The names of any witnesses
Providing the insurance company with thorough and accurate information regarding the accident that led to your injury can help the claim filing process proceed much more efficiently.
Settling Your Claim
As previously mentioned, Amica, like other insurance companies, will do what it can to make sure that it pays out the minimum for your reported claim. The settlement process is typically handled by one of the insurance company’s claims adjusters. After being assigned to your case, the claims adjuster will take several factors into consideration before trying to get you to settle the claim for as little as possible. Although most insurance providers use computer programs to calculate settlement amounts, it is possible for a company to offer you a lesser amount if it believes that you are in desperate need of money as quickly as possible.
If you receive an initial offer that you believe is too low, it is important to understand that you are not out of options. The possibility of negotiating a better settlement with Amica still exists. Understanding what the negotiation process consists of and what to do throughout negotiations may help you obtain a more favorable settlement.
Negotiating Your Claim
The negotiation process typically consists of back-and-forth communication between you and the insurance company’s claims adjuster. Although the process may be challenging, there are several steps that you can take in order to maximize your efficiency and effectiveness.
Collect and Organize All Documentation
It is very important that you organize all documentation relating to the incident. The more comprehensive the documentation is, the better position you will be in when it comes to negotiating your claim.
If possible, you should gather:
- Police reports;
- Medical and repair bills;
- Photographs of the injury or damage;
- Photographs of the scene of the accident;
- Witness statements; and
- Estimates of lost wages.
Establish a Minimum Settlement Amount
Understanding what your claim is actually worth will allow you to negotiate more effectively. Estimate your claim’s value by considering factors such as medical bills, vehicle repair bills, lost wages, and other miscellaneous expenses.
Once you determine your claim’s value, you will be in a better position to negotiate your claim. Although Amica may deny or reject your initial settlement offer, do not hesitate to reject theirs if the proposed amount is substantially lower than your estimate.
Emphasize and Reemphasize Your Accident
Defend your position throughout the process by emphasizing and reemphasizing the severity of the incident, the extent of your injuries, and how those injuries will impact your life both physically and mentally.
You can refer to any relevant documentation whenever possible in order to support your position. Referring to this evidence will make it very difficult for adjusters to lowball you.
Ideally, a settlement amount that is satisfactory to both you and Amica will be reached. If this occurs, confirm the agreement in writing. If, however, an agreement is not reached, you may need to explore the possibility of filing a personal injury lawsuit.
In any event, it is important to remember that the negotiation process will require you to be patient and persistent. Doing so can put you in a better position to receive fair compensation.
Our Colorado Springs Personal Injury Lawyers Will Fight on Your Behalf
At Zinda Law Group, our Colorado Springs attorneys have the skill, experience, and determination to assist you in seeking a fair settlement from Amica Insurance following an accident. Our attorneys will work tirelessly to help you pursue the compensation you deserve.
If you would like to speak with an experienced Colorado Springs personal injury lawyer, or to learn more about the settlement process, call Zinda Law Group at (800) 863-5312 to receive your free case evaluation.
Meetings with attorneys are by appointment only.