AMICA INJURY CLAIM

Do You Have An Amica Injury Claim In Rhode Island?

Getting injured in an auto accident is a stressful process both physically and financially. The impact of the injury and resulting financial strain are worrisome enough without also having to face the prospect of battling an insurance company. An Amica injury claim is notoriously difficult to navigate, particularly since they tend to pay out less than most insurers.

If you or a loved one has been injured in an accident, chances are you are seeing medical bills pile up and may even be dealing with a loss of income. An experienced Amica Injury Claim Lawyer can help fight back against the insurance company, and make sure that you get the compensation you deserve. We have been handling automobile and motorcycle accident claims against Amica for over 30 years, so we have the experience necessary to do battle with the team of adjusters and lawyers Amica has on staff.

What To Expect When Dealing With An Amica Injury Claim

Amica is currently the 23rd largest auto insurance company in the United States. With over 100 years of experience, coverage in most states, and some of the lowest rates available, it is no wonder that so many people choose to get their auto insurance through Amica.

Despite having pretty good overall reviews, Amica can still be extremely challenging to work with when it comes to filing an injury claim. That being said, if you have been injured in a car accident and the driver was insured with Amica, you still deserve compensation for your injuries — even if Amica is being difficult with your injury claim.

After an accident with someone who is insured by Amica, you will likely hear from one of their insurance adjusters relatively quickly. The adjuster’s role is to collect as much information as possible about the incident and resulting injuries so that they can determine how much they believe your claim to be worth. We recommend never speaking with an Amica insurance adjuster before reaching out to an experienced Amica injury claim lawyer. Your lawyer will communicate with Amica on your behalf so that you do not accidentally find yourself in a situation where they are going to pay you less than you deserve.

Here are the main documents that an Amica injury claim adjuster will be trying to get from you when they first get in contact:

• Recorded Statement - This is your official statement detailing the events of the accident that led to your injuries. The insurance adjuster will record each and every word you speak for potential use at a later date. Be aware that they are looking for any gap in your story or any missteps you make in order to avoid paying you down the road. It is rarely in your best interest to give a recorded statement and you should NEVER do so before speaking with an attorney.
• Medical Release Authorization - This is a document that will grant Amica access to your medical records — not just from the accident, but from your entire life! Insurance companies want to try to access all of your medical records so that they can attempt to make the argument that the injuries you are suffering from are not actually due to the accident you were involved in but are instead due to some pre-existing condition. They will happily dig through your entire medical history in an effort to avoid paying you. If an Amica insurance adjuster asks you to sign a medical release or any other form of authorization, DO NOT sign it before reaching out to a seasoned Rhode Island personal injury lawyer to discuss the situation.

How Does Amica Determine What My Claim Is Worth?

Most insurance companies, including Amica, will use some sort of software to help determine how much they believe your injury claim to be worth. Insurance companies often claim that their use of this software helps them to be more consistent in their payouts while eliminating human error and bias. Many people, however, understandably believe that the utilization of computer programming is enabling Amica and other insurance companies to severely underpay people.

Whether Amica is using a program or a human to review for your particular injury case, there are a number of factors they will consider before determining what they feel your claim is worth. Some of the information they will review includes:

• The specific injuries which were documented
• The type of medical care that was performed for these injuries
• The duration of medical care that was necessary
• The names and contact information for all medical providers involved
• Any specialties of these providers
• The average costs for these treatments in your area
• The actual costs you sustained
• Your use of a seatbelt or any other safety measures
• Any other aggravating factors in the case
• Lost Wage Information
• Length and severity of your disability

If Amica tells you that they have determined your case is worth far less than you believe you ought to be receiving, you need to remember that this is not the end of the road. Reach out to an experienced Amica injury claim attorney right away to discuss your case and make sure that Amica is paying you the full amount you rightly deserve.