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What to Expect in an Injury Settlement with Amica Insurance

Amica Insurance and its competitor, State Farm, typically receive favorable customer satisfaction reviews. This suggests that, following a car accident, people have a positive experience in filing a claim and being paid on that claim. In terms of settling a claim for compensation after a car accident, this is good news for you: Amica Insurance may be more interested in good publicity than in making a quick buck. However, Amica Insurance cannot remain profitable if it pays out more in claims than it takes in through premium payments. Thus, Amica will most likely attempt to settle your car accident claim for as little as possible.

How Is a Claim Evaluated?

It is widely known that insurance companies have programs, books, and other resources available that help them construct a settlement offer for your claim. These resources assign standardized values to your claim’s component parts. For example, there is a standard amount offered for a broken bone, for a damaged fender, and for nonspecific back pain. Unfortunately, these amounts may or may not correspond to your actual expenses and losses.


You may find it necessary to negotiate a better settlement with your Amica claim adjustor. If you attempt to do this, the following tips may help you in securing the settlement you need:

Know the amount you actually need.

This may seem elementary, but it is hard to negotiate a settlement that is favorable to you if you do not know what you actually need. It is important that you get reasonable estimates for repairs to your car and get the medical treatment you reasonably need. Knowing these amounts makes it easy to justify a higher settlement amount. It is hard, for example, for your adjustor to insist on paying you $2,000 for a broken hand when your doctor needed to perform $5,000 worth of treatment. While you should not go overboard or grossly exaggerate your expenses, you should not be ashamed to ask for the compensation you need.

Keep your story straight.

Your adjustor may question you at length about the car accident. He will likely ask you how it happened and who was at fault. Some people who are sure of the details at first begin to fidget under this intense questioning, stating that the accident “might” have been their fault or they weren’t really sure of what happened. This puts you in a bad negotiating position. As soon as possible after your car accident, be sure to write down the important details so you can refer to them later. This will help you keep the details of your accident consistent throughout the claims process and will help you resist settling your claim for less.

Be reasonable but firm.

Negotiation is an art form, wherein both parties attempt to leave with something they want. You want compensation for your injuries; your adjustor wants to pay as little as possible. You can expect there to be some give-and-take. However, you should have, in your mind, a minimum amount of compensation you are willing to take and be firm. If the adjuster does not offer you your minimum amount, consider carefully whether to accept such an offer or whether you want to pursue other avenues, like a lawsuit. Whereas a lawsuit may net you more money, it may take more time to get the compensation.

Get Help from Experienced Car Accident Attorneys

Contact us at Zinda Law Group for help after a car accident if you intend to file a claim with Amica Insurance. We have helped other car accident victims deal with claim adjusters following a car crash and will help you do the same. Where a settlement is in your best interest, we will fight to get you the most favorable terms possible. Where a settlement is not in your best interest, we can help you try to obtain compensation through other means. Call us at (800) 863-5312 to schedule a free consultation and learn what we can do for you.




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