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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.
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.
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.
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