1. Ask Adjuster Why Offer is Low…and Listen

Ask for Adjuster’s Response in Writing

Uninsured Motorist Insurers Must Give Reason for Low Offer in Writing

2. Ask the Adjuster if He/She Needs More Documentation

Ask the insurance company if there are any documents that they need that may help them increase their offer.  These may include the actual MRI films if you’re claiming that the accident caused a herniated disc or another objective injury.

Ask the adjuster if they can offer you more money if you send them past jury verdicts that show that your injury is worth more than what they’re offering.

3. Ask Adjuster to Tell You What Documentation They Have

You should confirm that the insurance company has the correct total billed charges, and out of pocket medical bills.

You should use a computer spreadsheet so that you’re organized, and can quickly tell the adjuster what you have.  I use MS Excel, but any spreadsheet will do.

4. Lower Your Offer…If Appropriate

5. File a Civil Remedy Notice of Consumer Complaint

6. Sue