Negotiating with an insurance adjuster can be a daunting task, especially when it comes to settling a personal injury claim. It's important to understand the process and how to best position your claim so that it thrives. Don't be intimidated by the first offer, and don't be afraid to ask the adjuster to justify a low offer. The best way to get the adjuster to sit down and discuss their differences is to have a conference call or meeting.
You can invite the property owner and their agent to attend, and it's best to do it from the agent's office with the adjuster on speakerphone. The agent can help facilitate if they believe that the policyholder may be exposed to a lien from a mechanic due to the adjuster's refusal to negotiate. If negotiations with the claims adjuster are unsuccessful, you may need to hire an attorney. While this should be considered a last resort, litigation could help you get the settlement you deserve and alleviate some of the stress surrounding negotiations about total loss.
An attorney is likely more familiar with the process and knows how to fight against the insurance company in relation to your wrecked car. Investing time in preparing your own negotiation strategy in advance is key for successfully reaching a fair insurance settlement on your personal injury claim.
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