Negotiating with an insurance adjuster can be a long, drawn-out process. Each of you come with your own agenda, and one of you will leave disappointed.
Your goal, of course, is to receive enough compensation to cover your injuries. The insurance adjuster’s goal is to get you to take the lowest payout they think you’ll accept.
To help people through their time of need, we’ve assembled a few tips to help you get fair compensation from an insurance adjuster.
The key to negotiating is researching settlements for similar cases. Insurance companies usually have a definite number in mind when they evaluate your claim. Insurance companies have seen hundreds of thousands of injuries. They know what every injury is worth and what they’re going to offer.
You can get ahead of them by doing your research. If you know a similar accident resulted in a $180,000 settlement, you should aim in the same ballpark. When your adjuster gives you a lowball estimate, you can ask them to justify that number. When they give their response, you have your ace in the hole, the knowledge of similar cases, to back your counter-offer.
When insurance adjusters evaluate a claim, they primarily look at medical records and liability in the accident. That doesn’t paint the whole picture of your injury unless you specifically inform your doctor about your pain, emotional trauma, and other limitations.
If the insurance adjustor lowballs you, you should emphasize your pain. Let them know the difficulties you face and make sure they hear your complaints. Telling them exactly how you feel could be the difference between a few thousand dollars and the settlement you truly deserve.
Hire an Attorney
Hiring an attorney is the best way to recover the full settlement you deserve. People who hire an attorney almost always receive higher settlements than those who did not. Only a tiny fraction of claimants attempt to negotiate for a higher settlement. Even less of those are successful in receiving a higher payout.
If you suffered serious injuries because of someone else’s negligence, we are here for you. If you’d like an experienced Tulsa personal injury attorney from Aizenman Law Group to evaluate your claim, please send us an email or call 631-769-8431.