When you get into a car accident while covered by a major insurance company like Amica, you expect to be able to easily file a claim and recover the compensation you need to pay for your medical care and repairs to your vehicle. Unfortunately, in an effort to maximize their profits, Amica sometimes makes this process more complicated than it needs to be.
If you need help handling a car accident case with Amica, all you need to do is pick up the phone and call the team here at Brian White & Associates in Houston. Our attorneys are always ready, willing, and able to help you fight for the compensation you deserve.
How Our Personal Injury Law Firm Can Help You with Your Amica Insurance Claim
At Brian White & Associates, we believe that Houston drivers should always be fully compensated when they get into an auto accident. When you ask us to assist you with your Amica car crash case, we will:
Evaluate Your Damages
Before attempting to claim compensation for an insurance company like Amica, it is first necessary to figure out the full extent of your damages. Failing to do so is likely to leave you paying for some of your expenses out of your own pocket.
The attorneys here at Brian White & Associates have been helping Houstonians recover compensation after car accidents for many years. As such, we fully understand how to evaluate the cost of medical treatment, vehicle repairs, and other expenses. When you hire us, we will immediately analyze your case and provide you with a detailed estimate of your damages.
File Paperwork on Your Behalf
As you might expect, filing an auto accident compensation claim with Amica tends to involve quite a lot of paperwork. This is especially true if Amica has any questions about your crash or needs you to provide them with any additional evidence.
Fortunately, when you work with the skilled legal team here at Brian White & Associates, you won’t need to worry about your case’s administrative load. Our attorneys and paralegals have been processing insurance claims for years. We know which documents Amica is likely to ask for, and will ensure that all of it is filled out accurately and filed in a timely manner.
Negotiate with Amica
If, after looking into your car accident, Amica concludes that you are entitled to compensation, they will make you a settlement offer. If the deal seems fair, you can accept it and close the case. However, if the financial restitution on offer is not sufficient to cover your expenses, you can instead opt to negotiate.
Over the years, our lawyers have negotiated countless Amica car accident cases on behalf of our clients. We know what Amica needs to see and hear before they will consider increasing their settlement offer. When you hire us, we will use all of our experience to try to negotiate a fair deal for you.
Do you need an experienced personal injury attorney to help you recover much-needed compensation from Amica? Then please do not hesitate to reach out to the team here at Brian White & Associates. We would love to arrange a free consultation at our Houston law offices to discuss your case in greater detail.
Understanding the Process of Filing an Insurance Claim with Amica
Most Americans only file a handful of insurance claims during the course of their life. As such, many people do not know what to expect from insurance companies like Amica after they get into a car accident.
Though the exact process tends to vary from case to case, most Amica compensation claims follow these steps:
Reporting the Accident
For Amica policyholders who are involved in car accidents, the first step in the claims process is almost always reporting the crash. This phone call is usually made from the scene of the accident. During the conversation, Amica is likely to ask questions like:
- When did the accident occur?
- Were any other vehicles involved in the crash?
- Has your vehicle sustained any damage?
- Has the accident been reported to the police?
These questions are standard. Drivers can generally feel free to answer them freely, without worrying about harming their compensation claim.
Amica may also ask more investigative questions, such as:
- Were you wearing a seatbelt when the accident occurred?
- Were you injured in the crash?
- How did the crash occur?
- Were there any witnesses to the accident?
The answers to these questions can potentially be used by Amica as a reason to deny a compensation claim. As such, drivers should refrain from answering them until they have spoken to a knowledgeable personal injury lawyer.
Speaking with a Claims Adjuster
Shortly after the accident has been reported, Amica will assign a claims adjuster to the case. This individual is tasked with deciding whether or not the policyholder is entitled to compensation – and how large their payout should be.
Amica’s claims adjusters typically reach out to drivers within a few hours of receiving the case. During this call, adjusters usually attempt to ask the policyholder for more information about the accident. Again, the answers to these questions can be used to deny a claim, so it is generally smart to avoid answering.
Amica policyholders that do not wish to speak to their assigned adjuster are free to refer them to their attorney instead.
The policyholder is unlikely to be the only person that Amica’s claims adjuster will reach out to. If the driver’s vehicle was damaged in the crash, they may also contact the repair shop to ask for an estimate.
Acceptance or Negotiation
Once Amica’s claims adjuster has concluded their investigation into the accident and the policyholder’s damages, they will usually call to offer a settlement. If the driver and their lawyer believe that the settlement amount is fair, they may accept it and close the case.
However, if Amica’s settlement offer is not sufficient, the policyholder does not have to accept it. Instead, they can have their attorney attempt to negotiate a fairer deal with the adjuster.
The negotiation process typically involves sending estimates, invoices, and projected future costs to the adjuster. Attorneys may also provide Amica with payout figures for recent comparable cases.
If the negotiation process prompts Amica to offer a more reasonable settlement, the policyholder can accept and wait patiently for their check to arrive. However, Amica is unwilling to budge, drivers must then take their pursuit of compensation to court.
When an insurer like Amica and one of its policyholders cannot agree to a fair settlement, the matter is generally taken to court. Though it can take several months to reach this point, the trial itself usually lasts no longer than a day or two.
Once the trial begins, Amica will present the judge with evidence that they believe proves their initial settlement offers were fair. Then, the policyholder’s lawyer will provide the court with proof that their client should receive a larger payout.
When both sides have concluded their arguments, the judge typically retires for a few moments to consider the facts of the case. Upon their return, they will announce the size of the compensation check that the policyholder should receive.
Here at Brian White & Associates, we understand that the process of recovering compensation from Amica after a car accident can often be quite lengthy and complex. Should you need any assistance along the way, all you need to do is give us a call. We are always happy to help our friends and neighbors here in Houston fight for the compensation they deserve.
Compensation in Amica Car Accident Cases
The compensation paid out by Amica after an auto accident is typically dependent on the extent of the damages incurred by their policyholder. An individual who was involved in a crash that totaled their car and left them with a severe injury is likely to receive a significantly larger check than someone who got into a fender bender and walked away with a few cuts and scrapes.
Generally speaking, Amica policyholders are eligible to receive compensation for the following damages:
- Property damage
- Medical expenses
- Rehabilitative care costs
- Lost wages
- Loss of future earning capacity
Drivers who need to take their compensation claim to trial may also recover attorney fees, court costs, and similar expenses.
The Brian White & Associates legal team has been helping Houstonians recover the compensation they deserve after their car accidents for years. If you would like to have us help you file a claim with Amica, all you need to do is give us a call or contact us online. We would love to meet with you to learn more about your case.
Need Help Handling a Car Accident Case with Amica? Contact Our Law Firm Today
If you have been injured in an accident and need some help recovering financial restitution from Amica, there is only one Houston law firm you need to turn to – Brian White & Associates. Reach out to us today to set up a free consultation with one of our knowledgeable attorneys.