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Try to Remain Calm and Analyze the Offer. Respond in Writing. Formulate Your Counteroffer. Don't Settle Until You're Healed.
Always work down, in small increments, from your initial demand. Never negotiate up from the adjuster's low-ball offer. Respond promptly and effectively to the adjuster's letter, so you can get on with discussing a realistic dollar amount for your settlement.
That you will not accept the initial settlement offer. The reasons why you feel you deserve a higher settlement amount. Each of their low-offer reasons, and your responses. The higher settlement amount that you will accept.
If you believe a settlement offer is too low or know it will not cover all of your expenses, do not agree to it. You do not have to accept an auto insurer's settlement offer, let alone the first one. Insurance companies want to reduce what they pay you.
Tip #1: Determine a minimum settlement number. In the early stages of your negotiations, you'll likely need to write and send a demand letter. Tip #2: Don't jump at the first offer. Tip #3: If the adjuster's offer is low, have them justify it.
If you cannot agree to settle, your reply should be a formal business letter that makes the case for your higher demand. Your letter should clearly: State that the offer you received is unacceptable. Refute any statements in the adjuster's letter that are inaccurate and damaging to your claim.
A Good Settlement Offer. Most cases settle out of court before proceeding to trial. Several factors can provide guidance on whether the settlement should be accepted. In general, if you can get close to judgment value of the case in settlement, then it should be considered a very good settlement.
Negotiating compensation for your pain and suffering after a car accident can be challenging, but by negotiating with patience and persistence, you should be able to reach a compromise with the insurance adjuster. It helps to know you can consult with a personal injury attorney at any time during claim negotiations.

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