Do You Know How to Negotiate With a Car Insurance AdjusterUnfortunately, car accidents happen far too often. If you and your car were hurt in a car accident that was not your fault, you will probably be talking and dealing with the other persons car insurance company adjuster.
Do you know how to negotiate with a car insurance adjuster? If you want to get a fair and just settlement for your injuries and the damage to your car, you need to know how to negotiate with a car insurance adjuster.
What you need to understand is that the car insurance adjuster does not have your best interests at heart. No matter how cordial and friendly he or she may be, the car insurance adjuster does not work for or represent you or your best interests. The car adjuster works for the insurance company.
The adjuster's job
It is his or her job to evaluate your injuries and the damage to your car. The car insurance adjuster will try to downplay and minimize your injuries and the damage to your car. Do not take it personally. That is the adjusters job. His or her job is to try and get you to settle for as little as possible for your injuries and the damage to your car.
It may appear that the car insurance adjuster will not back down. It may appear like you will have to accept a settlement that is lower than what you deserve. However, if you know how to negotiate with the car insurance adjuster, you can get a much better settlement.
Here are some things that will help you know how to negotiate. They are:
Do not get in a hurry - The car insurance adjuster will try to get you to settle as quickly as possible for as little as possible. You may have medical bills and car repair bills that come in over a period of weeks and months. Do not settle until all of your bills have come in.
Always ask for more than you will settle for - You may not get everything that you deserve, but do not be intimidated. Remember that your injuries could cause you difficulties for years to come.
Be prepared - Have the total of all of your medical bills and car repair bills in front of you, and be sure to keep receipts for all of them because you will have to show proof of loss. Check and see what the blue book value of your car is.
Do not spend the money before you get it - The car insurance adjuster can sense whether you are hungry and anxious. You need to let the adjuster know that you are serious about getting a fair settlement.
Consider getting a personal injury attorney - Another thing that you are entitled to is what is known as pain and suffering. Do you know how to put a price tag on this? Car insurance adjusters deal with people involved in car accidents every day. They are a professional, and they are good at what they do. It may be in your best interests to have a professional in your corner. A personal injury attorney is a professional who knows how to deal with car insurance adjusters.