If you are in a car accident or have some other type of insurance settlement coming, be prepared to negotiate. Insurance adjusters are trained to offer you the smallest amount possible. They are professional negotiators, and it can be difficult for you to get a higher settlement if you are unfamiliar with how the process works. While it may take some time, you could increase your settlement if you follow the proper steps.
Consider the initial offer from the adjuster. It will generally be on the lower end of a scale of what they are authorized to issue. The adjuster will act as if this is the final offer. If you believe that you are entitled to more, make a counteroffer.
Hire an attorney who specializes in insurance settlement negotiations. While you do not necessarily have to negotiate with the aid of an attorney, you may get more with one. But it could also increase your costs.
Submit your counteroffer to the adjuster. If you hired an attorney, he will typically write this letter for you. If you are working on your own, you need to provide justification for the higher amount.
If the adjuster does not accept your counteroffer or increase his original offer, you should consider waiting. Adjusters like to get claims settled as quickly as possible and are evaluated on the average time that it takes to settle each claim. If you drag out the process, he will be more likely to increase the offer.
Talk to the adjuster's supervisor if you are unable to reach a settlement that you are happy with. The supervisor has the power to increase the settlement. If you stick to your position long enough, the insurance company will most likely increase your settlement.