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If you’ve been injured in an serious accident, you probably received medical attention and gone through a recovery period. If the accident was not your fault, you may be entitled to compensation for medical treatment, lost wages as well as pain & suffering. But to get the ball rolling with the insurance companies, you must first submit a personal injury demand letter to the insurance carrier. Unfortunately, you may not receive the response you were expecting. Here’s three typical insurance adjuster responses and how you can deal with them.
The claim may be rejected outright. Valid claims are routinely rejected. There are adjusters whose sole purpose is to say “no” to would-be claimants. Reasons for rejection include:
A counter offer is an offer of a lesser amount of money. The insurance adjuster typically will not accept the first offer submitted. The reasons they might counter-offer are:
There is a remote possibility that the insurance adjuster will agree to pay the amount you requested in your demand letter. There are times when the injuries and circumstances surrounding the accident warrant settling for the amount requested, or for policy limits, such as:
The starting point to achieve the best possible outcome is a strong demand letter, with exhibits to support each claim. Additionally, the skilled personal injury attorneys in our office have relationships with insurance adjusters and understand the insurance industry. We are in an excellent position to help you negotiate the best settlement possible.
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