How to Get the Best Possible Settlement from an Insurance Adjuster

The insurance company plays a big part in most accident claims, particularly after car accidents in Oregon. Because Oregon is a “fault” state, the insurance company of other party involved in an accident will often be on the hook for your damages and losses after a car crash.

A representative from the insurance company will typically call you after the accident to discuss settlement options. It may be tempting to jump on the first offer, but in most cases, that is not a good idea. Instead, you can use the following tips to help you get the most out of your negotiation with the insurance company.

  1. Realistically consider your damages or losses.

In minor accidents, you may only have slight medical problems and related costs. Cuts, scrapes, bruises, and even broken bones will generally heal completely over time. Other types of injuries, such as back or neck problems or serious internal damage can cause long-term problems. You need to discuss what kind of medical care you will need in the future with your doctor and determine how much that care might cost.

You should also consider how your injuries will affect your job. Have you already lost work? Are you anticipating losing work in the future due to your accident? These are all things to consider to be sure that you are getting an amount of money that will address all of these issues.

This information will help you have a number in mind when you start your negotiations. Generally, you should not start with this figure, but work your way down to it through offers and counteroffers.

  1. Ask for rationale regarding their offer.

If the insurance company provides you with what you consider a very low offer, ask why they think your case is only worth that amount. Having this information will help you understand what the insurance adjuster is considering and potential weaknesses in your case.

  1. Use emotions.

An accident can be an emotional time for not only you personally but also for your family. Be sure to point out how the accident has affected you from an emotional standpoint and how it has affected your family. For example, if your back problem is limiting how often you can play with your kids, mention how hard it is for your children.

  1. Do not negotiate against yourself.

Sometimes negotiations are a waiting game. After you make a demand, be sure to wait for their response before you lower your demand. By jumping the gun, you only end up bidding against yourself, and you will never know whether the insurance company would have accepted the higher demand.

  1. Get legal help.

Personal injury lawyers are skilled negotiators that can work on your behalf. They know the best methods to use for most insurance companies, and the settlement amount is often higher simply because you have used an attorney. Call ClarkeGriffin, LLC to set up a free consultation for your personal injury case.

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Written by Clarke Griffin