Negotiating with the car insurance company If the adjuster's initial offer falls far short of the estimates you collected, you should negotiate with the insurance company. You don't have to file a lawsuit to get started. These discussions can take place in person or via email, but you'll want to get the final decision in writing. Regardless of whether an appraiser will ever admit it, everything is negotiable.
They may not want to negotiate with you personally, but they cannot deny the principle. While you negotiate, the insurance adjuster will try to get you to reduce your initial claim. Once you accept a slightly lower claim, you should wait for the auto claims adjuster to offer you a better settlement offer. Never reduce your claim more than once until the other party increases their original offer.