Negotiations should go fairly smoothly if you, the claimant know how much your particular case is worth. The adjuster has come up with an estimate of its worth. The 2 figures are usually not the same. Furthermore, both you and the adjuster lack important pieces of information.
What each of you is lacking
You do not know how much money the insurance company will agree to give you in the form of compensation.Adjusters never know what amount of money any given claimant is willing to receive.
Most adjusters hope that the person that is taking part in the negotiations feels eager to acquire some monetary funds, as soon as possible.
Facts that might be disputed, while the 2 opposing parties are negotiating
Whether or not the insurance policy of the at-fault driver guarantees coverage of the reported incident. The identity of the person that should be named at-fault; the identity of the person that was negligent. They will view the nature and extent of the injuries sustained by the victim/claimant.
The doctor’s choice of treatment, and the length of time during which the patient received that same treatment: As a rule, insurance companies seek proof that the administered treatment was necessary.
Sometimes a fact becomes an adjuster’s opportunity for trying to introduce an unfair argument.
Suppose that the claimant’s filing of a personal injury claim had not come soon after the accident. In that instance, the adjuster’s unfair argument might suggest that the claimant had missed a deadline. In fact, there is no deadline for filing a claim with the responsible driver’s insurance company.
Why would an adjuster try to make use of such a twisted suggestion? Remember, adjusters tend to assume that claimants hope to receive some monetary funds, as soon as possible. Personal Injury Lawyer in London knows that a claimant might accept a small settlement, if he or she were to believe that an adjuster’s generosity had provided the reason for a willingness to overlook a “deadline.”
Claimant’s ideal approach
Stay organized; save all bills and receipts received when buying a piece of medical equipment.
Exercise patience; wait for time when doctor has declared achievement of maximum medical improvement (MMI). Do not settle before MMI.
Demonstrate persistence: If you are told about adjuster’s plans to consult with a superior, ask for date when answer to consultation should be available. If no answer by that date, contact the adjuster’s office, and ask about the reason for the delay.
Never put forward what could look like a threat. By the same token, avoid using any abusive language. Adjusters’ schedules are quite full, because each of them must work on up to 50 different claims during a single month. None of them deserves to be threatened or abused.