How do I respond to a lowball offer from my car accident insurance adjuster?

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How do I respond to a lowball offer from my car accident insurance adjuster?


An insurance adjuster is not working for you, but working for the insurance company. As such, that professional's job is to minimize the amount of money the company has to pay out. In some cases, the insurance adjuster will send you a low-ball offer because it will save the company money. Before you agree to any settlement offer, especially to one involving significant damage or injury to a person, talk to an attorney.

Managing Lowball Offers

The best way to beat a lowball offer is with proof. If you cannot get the company to settle out of court, it may also mean going to court.

  • Provide the details on the costs. Use the proof of your missed time and work and medical bills to show just how much you have lost as a direct result of the accident. Property damage claims also play a role here.
  • If the insurance adjuster is willing to, negotiate the offer. Only do this if you can actually afford to come down on your costs.
  • Show proof of why your claim should be higher than what the company is offering, such as an independent review of the worth of a vehicle to determine its real value.

At the end of the day, you may need to turn to an attorney to get help. The attorney will work with you to determine the best way to handle the case, or to prepare a lawsuit to take the company to court for you. In many cases, this does not become necessary.