How To Negotiate with an Auto Insurance Claims Adjuster
Read our blog post to find out how to negotiate with an auto insurance claim adjuster. Also, check our website if you want to learn how to get a car insurance quote.
- Be prepared with all the documents before negotiations. Be sure to organize and keep close important records after an accident. Keep your medical records and bills, as well as any repair receipts. Your insurance company will want to check these as well as a copy of the police report. You should also gather pre-accident maintenance receipts if you’ve recently purchased new car parts or upgraded features. Those may help prove your car’s condition and its value.
- Think about the settlement before the meeting. Having a settlement in your mind is very important. Consider a minimum settlement, along with reasons and evidence for it. Without knowing the real reimbursement costs (including car’s value, extra parts costs and repair costs) you should get, you may be tempted to accept the first offer you get.
- When you meet with the insurance adjuster, mention amount you’re demanding for the settlement of your accident claim.
- If your adjuster comes back with a low offer, you can always request an explanation. Adjusters may start with a low offer to see if you’ll accept the settlement.
- Do not lower your claim value or offer until the insurance company has made a counter offer. If they request documentation to substantiate your accident claim, such as photos or medical records, send the information that you feel will best help your auto insurance claim.
- Be cooperative during negotiations. Keep in mind that showing good faith during negotiations will move your auto insurance claim to settlement faster. Understand that the insurance adjuster will start low to save the insurance company as much money as possible. It’s part of their job and their training. Do not be offended or react emotionally to the process. Stay calm and professional during the whole negotiation process.
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