How to Negotiate a Personal Injury Claim with Amica Insurance
Call (800) 863-5312 to Speak with an El Paso Personal Injury Lawyer for Free
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.
We can help answer any questions you may have about negotiating an injury claim with Amica. If you or a loved one has recently been injured in any type of accident, please call Zinda Law Group at (800) 863-5312 for a free consultation with an El Paso personal injury attorney.
Awards & Recognition
AWARDED TO JOHN C. (JACK) ZINDA BY THE NATIONAL TRIAL LAWYERS ASSOCIATION (2016-2020)
AWARDED TO JOHN C. (JACK) ZINDA BY THE NATIONAL TRIAL LAWYERS ASSOCIATION (2017-2020)
AWARDED TO JOHN C. (JACK) ZINDA (2016-2020), JOE CAPUTO (2016 – 2020) & BURGESS WILLIAMS (2016-2017) BY THE NATIONAL TRIAL LAWYERS ASSOCIATION
LIFETIME MEMBERS JOHN C. (JACK) ZINDA, JOE CAPUTO, BURGESS WILLIAMS, NEIL SOLOMON, & JASON ALDRIDGE
AWARDED TO JOHN C. (JACK) ZINDA (2009, 2011-2012, 2014-2021), JOE CAPUTO (2019-2021), BURGESS WILLIAMS (2019-2020), NEIL SOLOMON (2020-2021), & CHRISTINA HAGEN (2021) BY SUPER LAWYERS (A THOMPSON REUTERS COMPANY)
MEMBERS JOHN C. (JACK) ZINDA (2017-2020), JOE CAPUTO (2019-2020), BURGESS WILLIAMS (2019-2020), NEIL SOLOMON (2019-2020), COLE GUMM (2019-2020), CHRISTINA HAGEN (2020) & BRENDAN MCQUAID (2020)
LIFETIME MEMBERS JOHN C. (JACK) ZINDA & JOE CAPUTO
AWARDED TO ZINDA LAW GROUP (2016-2019) BY THE AMERICAN INSTITUTE OF PERSONAL INJURY ATTORNEYS
AWARDED TO JOHN C. (JACK) ZINDA IN 2015, 2016, 2017, AND 2020
AWARDED TO JOE CAPUTO (2016-2019) BY THE AMERICAN INSTITUTE OF PERSONAL INJURY ATTORNEYS
AWARDED TO ZINDA LAW GROUP IN 2018 BY INC.
Awarded to John C (Jack) Zinda (2021) by the American Association for Justice
I did not know what to do. I had never been hurt in a wreck before and this was a major accident that was not my fault. I reached out to Zinda Law Group and they were fantastic, answered all my questions, got me help immediately, and took care of everything!!
There comes a time when you need someone in your corner that you can trust. Our time came when we knew we needed the advice and counsel of an attorney. The day we walked into Zinda Law Group we knew we were covered.
There is a reason why this law firm has a 5 star rating. My experience with personal injury attorney Joe Caputo and all of the staff at Zinda Law Group has been excellent... I would definitely recommend Zinda Law Group.
Maria Ciara-Former Client
This is a really great firm! They settled my personal injury case in a year. Throughout the whole process, they were keeping in touch with me and helping me get the best treatment possible. They honestly know what they are doing. It was a pleasure working with these guys.
Everyone was so professional and was very interested in helping me with my issues. They were very upfront and honest about what I could expect.
I contacted Zinda Law Group after getting nowhere on my own with a personal injury case. I am so thankful I did. They took it off my plate and handled everything from appointments, to phone calls, and emails.
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 required to make a full recovery.
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 that matches the full extent of your damages.
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
In any negotiation, 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 a minimum amount of compensation you are willing to take, and be firm on those damages.
If the adjuster does not offer you your minimum amount, consider carefully whether to accept such an offer or if you want to pursue other avenues, like a lawsuit. Whereas taking a claim to court may net you more money, it may take more time to get the compensation.
Get Help from El Paso Injury Attorneys
Contact us at Zinda Law Group for help negotiating an injury claim with Amica Insurance. We have helped victims of car accidents, slip and falls, workplace injuries, and more deal with claim adjusters will help you do the same.