How To Negotiate With An Insurance Adjuster? Step-By-Step Guide

Helen Skeates
Helen Skeates
16 min read

You may be wondering, “How do I negotiate with an insurance adjuster?” as you develop as a person. Fortunately, that topic will be covered extensively here. To fully grasp this, you might want to jot down a few notes. As a rule, there are 5 things you can do to get along with your insurance adjuster.

A claim must be prepared, documentation must be established, a settlement estimate must be made, the initial offer must be declined, and your needs must be asserted.

In some circumstances, the insurance adjuster will go out of his or her way to help you. Perhaps your curiosity has been piqued after reading the preceding stages. The steps are outlined in detail below. Don’t waste any more time, just keep reading the article down below.

Negotiating With An  Insurance Adjuster

In these types of banks, the solution to the question “How do I negotiate with an insurance adjuster?” may be elusive. You will find out here all the considerations you need to give attention to.

There are people whose jobs it is to determine whether or not a person’s insurance coverage is sufficient. In order to make a claim on your insurance policy, they will be processing various pieces of documentation.

How to Negotiate a Settlement with an Insurance Claims Adjuster » Kapuza Lighty PLLC

You may find it difficult to negotiate with your insurance adjuster as a first-timer. But don’t worry, because this article will cover it all so you don’t have to. These are the 5 measures to take.

Step #1. Arranging a claim

To connect with your insurance adjuster, you should be considering making a claim. Therefore, even if you are involved in a car accident, your insurance won’t kick in unless you take some kind of action toward filing a lawsuit.

You are responsible for ensuring that the necessary paperwork and claim is in order. The insurance company on its own will do nothing to assist you. The sooner the claim is processed, the fewer problems there will be.

Step #2. Establishing your documents

You should set aside all the paperwork that could be useful after filing your insurance claim. It is also possible that the insurance company is disputing your claim and these papers will serve as evidence.

If you have sufficient evidence to support your claim, you will be granted compensation. Evidence such as medical records, police reports, incident reports, photographs, statements from witnesses, and repair bills for any vehicles involved.

In addition, the insurance company may want proof of an injury or accident that can be found in these records. Keep in mind that the insurance company may grant coverage if you provide sufficient proof that your claim is baseless.

Step #3. Estimating your settlement

After filing a claim, it’s a good idea to estimate the total cost of everything that has to be paid for by your insurance policy. The maximum payouts for certain types of claims may be higher than the minimums stated in the policies.

You should be seeking the monetary value of your medical bills, property damage, lost wages, and other accident-related expenditures for which your insurance provides enough coverage.

Taxes, incidental expenses, and property values are just a few of the items that claimants may include in their settlement claim. If the accident caused you psychological harm, your lawyer or doctor can help you file a claim for compensation.

You need to write a demand letter to the insurance company after you’ve done your claim estimation. Through this letter, you have informed the insurance company of all the charges for which they are responsible to reimburse you.

Step #4. Refusing the initial offer

When the insurance company finally responds to your letter, it may offer you a settlement that is inadequate to cover your losses. Insurance companies will typically offer a lesser financial settlement.

Your next step should be to have a conversation with the insurance adjuster in order to decline their initial offer and come to an agreement. If a consumer turns down their offer, they’ll feel compelled to raise their bid in order to continue doing business with you.

It’s well knowledge that insurance adjusters work for a firm. In order to reimburse your claim as efficiently as possible, they will spare no effort on the company’s behalf. Thus, it is recommended that you engage in official negotiations with your insurance adjuster.

Step #5. Asserting your needs

One must also be reasonable when arguing their case in order to reach a final settlement. Taking advantage of the insurance company is a perfect example of how not to behave. Therefore, while filing an insurance claim, it’s important to bargain with the insurance company to get the coverage you need rather than the coverage you want.

You need to be well-versed in the topic at hand and have all relevant information at your fingertips before sitting down with your insurance adjuster. Taking into account all the relevant evidence is essential to settling on a fair sum.

Adjuster Styles to Expect From the Start

Professional claims adjusters also excel in sales. A good salesperson is one who can modify their approach based on the needs of each individual client. Their efforts are directed toward determining the customer’s wants and needs and then tailoring the sales presentation to persuade the buyer that their product meets those wants and needs. They create a desire in the buyer to purchase the product.

The same is true of a skilled adjuster. They put themselves in the claimant’s shoes to see what would make them agree to a settlement that is favorable to the insurance company. They will try to persuade the claimant that doing so is in their own self-interest.

Sympathetic Concern

You should be wary of any insurance adjuster who seems unduly eager to learn personal details about you. They could be gathering intel to use against you. If you have outstanding debts or an upcoming major obligation, for instance, they may try to convince you to accept a smaller settlement in exchange for receiving payment more quickly.

Watch your language. If the adjuster asks you how you’re doing in the morning and you reply, “Fine, thank you!”, it could be interpreted as a denial that your injuries have affected you in any way.

You should carefully consider whether or not you want to give a recorded statement. You are not obligated by law to participate in an interview or give a statement concerning the incident that caused your injuries. Instead than opening yourself up to being tricked or manipulated by the adjuster, you can explain your side of the story in writing.

Cold Indifference

It’s possible that you’ll deal with a chilly, critical adjuster who thinks you’re attempting to pull a fast one instead of a supposedly friendly and compassionate one. The adjuster will have minimal sympathy for your situation. It’s helpful to have this information at hand. You’ll be one step ahead of the game if you don’t look for pity.

The unfeeling adjuster doesn’t care that the person at blame was impolite at the scene of the accident or that you missed your daughter’s piano recital. It’s to be expected that they’ll just ignore these arguments.

Focus on the substance of the negotiation rather than the adjuster’s bargaining approach. Even if the adjuster is making things tough by seemingly resisting your every move, you need to put aside your frustrations and get down to business.

Maintain an adaptable and open mindset. Do your best not to let the adjuster understand that they have gotten to you by what they say. Take a deep breath and collect yourself before reacting if something they say on the phone makes you angry or frustrated.

How To Negotiate With An Insurance Claim Adjuster - AC Insurance Services

A skilled adjuster can use a variety of approaches to help their clients. They can modify the approach for each new negotiation and make it work best with the unique personality of each claimant.

Factors That Influence Negotiating Style

Different things, such as the adjuster’s upbringing, office culture, and individuality, can contribute to their distinct approach to the job.

  • Regional and cultural differences can also play a role in how topics are discussed; some groups may prefer a leisurely, indirect approach, while others may prefer to jump right in with no preamble.
  • At work, certain insurance agencies may have management practices that emphasize combativeness during negotiations, while others may reward more conciliatory tactics.
  • Personality of the Adjuster: Some adjusters are haughty jerks who are cruel to clients. Others are decent human beings who show respect to those who have been hurt. In spite of their differences in character, all adjusters share the trait of being formidable bargainers.

You can keep your cool and your confidence level high if you know what to expect from the insurance claims adjuster. A reasonable insurance settlement for your personal injury claim can be obtained if you take the time to establish your own negotiation strategy in advance.

Adjuster Tactics During Claim Negotiations

Adjusters may negotiate in different ways, but they all have the same goal: to resolve the claim as swiftly and affordably as feasible. While you can agree on “quickly,” you might disagree on “cheaply.”

It’s also important to remember that the adjuster has a very different concept of fairness than you do. They’re taking the insurance company’s perspective on the claim. You should always remember your “bottom line,” or the smallest possible settlement that will satisfy your needs.

Common insurance adjuster tactics include:

  • Don’t believe an adjuster who says, “We never pay more than that for whiplash cases,” if they flat out refuse to negotiate with you. Anything may be negotiated. You can justify the increased worth of your injury claim by pointing out the specifics of your case and how they differ from the norm.
  • To begin any negotiation, many insurance adjusters will make an extremely modest settlement offer. Demand letters should always be countered down from the original amount, incrementally. Don’t let yourself be duped into thinking that you can negotiate up from a stupidly low first counteroffer.
  • The adjuster may tell you that the amount you are asking for “exceeds their authority,” so keep that in mind. But even if that’s the case, it merely means the adjuster’s superior will need to approve a larger payout. You shouldn’t use that as an excuse to settle for less than you deserve.
  • Your pain and suffering will be minimized, and the adjuster may even doubt the necessity of medical treatment you received. Someone may argue that the severity of your injuries is out of proportion to the relatively small damage to your vehicle after a traffic collision.

Consider your conversation with the adjuster like a commercial transaction. They have the upper hand if they can provoke you into losing your cool. The adjuster is used to dealing with irate customers and will not back down from a fight.

Being calm will help you negotiate better. Keep your mind on the task at hand, and follow the necessary procedures to a successful conclusion.

Since you probably won’t be able to out-negotiate the adjuster, you should make your case as concisely and convincingly as possible. When dealing with a tough adjuster, knowing every detail of your claim will give you the upper hand in negotiations.

Although the adjuster may have more bargaining experience, they cannot possibly know more about the details of your claim than you do. You witnessed it firsthand, while they were absent.

You suffered physical harm and mental anguish as a result of the collision you were a part in. You have evidence such as medical bills, police or incident reports, and other official documents to back up your claim of pain and suffering.

Don’t allow the adjuster twist the truth to their advantage. Maintain your professionalism at all times, and never waver from what you’ve seen or heard. You should be able to reach a reasonable settlement agreement if you negotiate patiently and persistently.

What to Do When Negotiations Stall

If you want your interests to be met during insurance talks, it’s up to you to insist on them. You must keep in mind that the adjuster’s primary responsibility is to the insurance company. Do not give up hope of reaching a fair settlement with the adjuster if they bluntly refuse to continue negotiations.

Requesting a meeting with the adjuster’s manager is your first line of defense. Clarify what’s going on and why you think the adjuster’s offer is too low.

You can file a complaint with the state insurance board if the supervisor refuses to negotiate. The regulatory body can provide a call to kickstart the talks.

Consider Hiring an Attorney

Finally, legal counsel is available to you at any time during the negotiation process. It may be time to hire a personal injury lawyer if you haven’t been able to make any headway on your own. They make a living off of bargaining with insurance firms.

In some cases, having legal representation is all it takes to get the adjuster to make a reasonable settlement offer. Experienced personal injury attorneys learn the ins and outs of negotiating with insurance adjusters in your state.

You may wish to ask the lawyer for a reduced cost if you’ve put in a lot of time and effort into gathering evidence, drafting a demand letter, and negotiating. If you’ve done all the groundwork on your case, they might agree.

Injured people can usually get a free initial consultation from a personal injury attorney. When negotiations over a settlement fall down, it makes sense to get a professional opinion on your case at no fee.

Beware the Statute of Limitations

The adjuster will not inform you of the personal injury lawsuit filing deadline in your state (the statute of limitations). You lose your right to sue for damages if you fail to settle your claim or file your case within the time limit specified by law.

The adjuster could be being uncooperative on purpose or just being lazy and disorganized. In the event of an injury, you can always seek the advice of a lawyer.

Common Insurance Adjuster Characteristics

There is a significant amount of time and money spent on training for insurance adjusters. After all, each adjuster’s contribution to the company’s bottom line is directly proportional to how quickly and affordably claims may be resolved.

An adjuster from the insurance company of the negligent driver, your own insurance company, or a business owner’s liability insurer could be interacting with you. Every claims adjuster has their own method of negotiating with clients.

All adjusters share similar attributes:

  • In exchange for serving the insurance company’s best interests, they receive compensation.
  • The full amount of your claim may not be required by law to be paid.
  • Unless you can back up your claims with proof, they won’t listen to you.
  • For them, it’s all in a day’s work.

When your adjuster comes into the office in the morning, they will find the same claim files sitting there as the night before. One claim file is replaced by another as soon as it is closed. Each of those cases involves an individual who suffered harm at the hands of one of its insureds and who has filed a claim for compensation.

Claims adjusters typically speak with injured people over the phone for the majority of their shift. It’s a really stressful job. Up to a hundred personal injury claims can be pending at any given moment for each adjuster. The adjuster’s time is of the essence because their compensation may be tied to how quickly they resolve claims.

Because of the high pressure environment, many adjusters adopt a dispassionate negotiation technique. They’ve heard and seen it all, basically. Most people don’t give a hoot about the long-term effects of your vehicle crash or slip-and-fall.

How To Negotiate With Insurance Companies - Petrarca & Petrarca Law


Great! So, you want to know “How to haggle with an insurance adjuster?” It is recommended that you contact your insurance provider to verify the accuracy of the information provided above. If this is the case, you should see a legal professional for assistance. Arranging a claim and establishing your documentation will put you in a better position to bargain with your insurance adjuster.

Then, you should calculate your settlement, decline the original offer, and insist that you be met. Finally, if you’re interested in reading further, you can find information there regarding a refrigerator that is built in. I really hope you found this post useful in learning more about this issue. Don’t keep this to yourself; it could help someone who’s struggling.

Helen Skeates

Helen Skeates

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