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How to Negotiate an Injury Claim with Amica Insurance

Stacked up against other insurance companies, Amica Mutual is one of the smaller options. Amica operates with approximately 3,000 employees spread out in their 40 offices. Among Amica’s employee base are claim adjustors who are trained to give out as little of the company’s money as possible. This means that, if someone has insurance with Amica or if they have been injured by someone with Amica insurance, the adjustor will look over their claim and then attempt to settle it for as little as possible.

If you find yourself facing Amica Mututal Insurance with a claim, you maybe overwhelmed with stress and confusion. We’ve put together a few simple steps to help you get through the process and gain as much compensation as possible:

1. Understand the Value of Your Claim. Before you ever speak to an adjustor, it’s important to know just what your claim is worth. Add up all your medical bills, damage to property, pain and suffering, and lost wages before talking to the adjustor. The Amica adjustor will try to pay you as little as possible, so it’s important to know what you should really expect. What seems like a large settlement from the adjustor may not be much once you tally up what you truly deserve. Once you’ve got the total of your expenses and losses, send a settlement letter to Amica stating the entire amount.

2. Expect Rejection. When you go up against Amica, you’re in for a battle. The adjustor is likely to try to trick you by presenting you with a very low counter-offer. Their hope is that you will become desperate enough to settle for much less than you initially ask; don’t give in and fall for their game!

3. Know that the Odds Look Good. You don’t want to court, but neither does Amica; in fact, the insurance company probably wants to avoid a trial even more than you want to stay out of the courtroom. A trial would give you the opportunity to show all your evidence to a judge and could earn you even more compensation than you are initially asking from the insurance company. Let the adjustor know that you aren’t afraid to go to court and that, given your situation, you have confidence that you will win.

4. Be Persistent! You aren’t going to get the money you deserve from Amica without a lot of patience and persistence. Set a reasonable amount that will cover your expenses and losses, and stick with it. Even if the claim adjustor continues to try to talk you down, don’t give in. If an offer won’t cover what you’ve lost because of the accident, then it isn’t something to consider.

Very few people actually want to go up against Amica Mutual Insurance, and many discover that the battle is simply more than they can handle. This is where a personal injury attorney can help. If you let a good attorney take on your case, they will stand up to Amica to fight for your rights and the compensation you deserve. A personal attorney can assist you by reviewing all the damages and help you to compile a settlement offer, and also put together a claim letter to Amica that demands you receive the money you deserve.

If you find yourself in a battle with Amica Mutual Insurance, then Zinda Law Group is here to help you. We are composed of a team of personal injury attorneys who have had experience helping victims receive the claim money they deserve from Amica. One of our lawyers will help you step-by-step as we work to gather the information necessary to value your claim, prepare a letter to Amica, and talk to the adjustor. We aren’t afraid to tackle whatever the insurance agency throws our way, and we will strive to get you the settlement money you need to overcome your accident and move forward in life. We help people throughout Colorado and the US obtain the compensation they deserve. Contact us today at 800-863-5312 for a free consultation!



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