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There are quite a few things that you might want to take into account if your settlement talks stall or get broken off. The truth is that the majority of the adjusters are going to be pretty supportive as they’d want to keep the settlement process relatively straightforward and not time-consuming. Of course, there are always those individuals who are going to have a rather odd personality, negotiation style or they might be following up on a strange company policy and might be a bit burdensome to negotiate with.
These adjusters are almost always going to make you an incredibly low initial offer and would afterwards stick to it regardless of the circumstances and without providing you with any further clarification and justification. This is their tactic and their hopes are that they will intimidate the claimant and frustrating you enough to think that your claim is truly worth that less. So, what to do in situations of the kind? Should you give up and settle for the low-ball amount, even though you know your claim is worth much more? No, of course, here are a few things to consider.
Be persistent
You might be capable of moving off the stubborn insurance by calling or writing to ask whether the adjuster has changed his mind into making an actual and relevant settlement proposition. This is something that you might want to consider and it usually does pay off.
Threat to file a lawsuit
This isn’t done by just saying that you will file a claim. You go ahead, get yourself an experienced and reliable personal injury lawyer and draft a claim. You forward this claim directly to the insurance adjuster and watch his behavior take 180 degrees turn. They don’t want the case to go to trial unless they are 100% sure that your claim isn’t worth as much as you are asking.
These initial offers are intentionally reduced in order to frustrate the claimants and they have absolutely no chance of holding up in court. Of course, that is if you have actionable and reasonable grounds for claiming substantially more than the offer itself.
In any case, you should know that insurance adjusters have tons of tricks hiding up their sleeves as this is the way that they maximize their profits. After all, if you are thinking that every filed claim is being processed and taken care of properly, you are mistaken because insurance company are not in the business of helping you out, they are in the business of making money. This is the main reason for which you need to get an experienced personal injury lawyer to help you out and get the compensation that you are legally entitled to. They look at all aspects of the claim and work to represent your rights. They are in your corner and most of them have years working against insurance companies and that helps them understand your case better.