How to Negotiate an Injury Claim with Amica Insurance

Last updated on: April 6, 2021


Amica Mutual Insurance, compared to other insurance companies, may be considered small. Founded in 1907, the company has just over 3,000 employees working in 40 offices scattered throughout the United States. Amica Mutual Insurance offers its customers a variety of insurance products and services. Amica typically receives good reviews from various customer service rankings. This does not mean that obtaining a fair settlement from Amica is always easy.

Amica employs claims adjusters whose job it is to evaluate claims submitted by insurance policyholders and individuals injured by an Amica policyholder. An adjuster is trained to try to settle valid claims for as little money as possible. Just because Amica Mutual Insurance has high customer satisfaction scores does not mean that Amica will not attempt to settle your claim for less.

Negotiating a claim with an Amica Mutual Insurance adjuster can be stressful and nerve-wracking. You may find success in obtaining a larger settlement amount for your claim by following some simple steps:

1. Have an idea what your claim is worth before you talk with the adjuster. If you are not certain as to what expenses and losses you experienced in your injury incident, it is difficult to know whether a particular offer from your Amica claim adjuster is too low. You may wish to add up your medical expenses and lost wages, together with other losses such as your lost future earnings and pain and suffering, and put this total amount in a settlement letter to Amica.

2. Do not be discouraged if your initial settlement offer is rejected. Your Amica claims adjuster is trained to settle your claim for as little as possible. He or she may try to counter your settlement offer with an extremely low counter-offer, just to see if you know what you are doing.

3. Know the facts that are in your favor. Trials can be expensive and time-consuming for Amica, so they would rather avoid some trials if it can. Those trials that it is especially eager to avoid include trials where you have certain facts or circumstances that would make you a sympathetic injury victim (such as extreme physical pain or suffering, or where the injury has impacted your ability to care for your family). Highlight these facts to the adjuster as this may make them more willing to settle the claim on your terms.

4. Be reasonable but tenacious. Negotiating a settlement with Amica after a personal injury incident can take some persistence. While your Amica claim adjuster will continue to try to settle your claim for less, you should insist that your reasonable expenses and losses be paid.

The thought of negotiating a settlement with Amica Mutual Insurance can be unpleasant. A Denver personal injury attorney can help negotiate a settlement on your behalf and deal with your claim adjuster. Your personal injury lawyer can also help you arrive at a settlement offer and draft a letter to Amica demanding that they pay your claim.

At Zinda Law Group, our Denver car accident lawyers are experienced in negotiating settlements with Amica and other insurance companies on behalf of our clients. We can help you after your injury incident by evaluating your medical records and other evidence, helping you put a value on your injury claim, and negotiating with your claim adjuster. We will work diligently so that your claim can be settled quickly and for an amount that will help compensate you for your losses.

Where a settlement is not in your best interest, we can advise you on what additional steps can be taken and will walk you through the claims process from start to finish. Contact our Denver personal injury attorneys at 800-863-5312 to schedule a free consultation today.