How To Negotiate A settlement With An insurance Claims Adjuster

Settlement - How To Negotiate A settlement With An insurance Claims Adjuster

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You and I. M. Strong, the adjuster from Granite Mountain Insurance, are sitting at your kitchen table in an exertion to decide your motor vehicle accident claim.

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Strong is all wound up and on the offensive, rambling on and on about how your injuries weren't serious. His typical pitch usually goes something like, "Look, I've been at this a long time. I've talked to people like you, day in and day out, for over twenty years. people who've gone straight through exactly what happened to you, with the same sort of claim as yours. Sure, you had a duration of pain but your so-called injuries were routine. Believe me when I tell you they aren't worth much."

You're stunned. You can't believe what Strong is trying to pull. You say, "I've been miserable! There was no way I could get back to work because of the pain in my neck and back."

Strong shift's in his seat and a flourishing look (one that says he knows it all) begins to march over his face. At that point he predictably states, "Look, I can tell you, after handling thousands of cases like yours, that the pain you may have had, for a consolidate of days at the most, are relatively minor. They don't even come close to justifying the three week's of work you lost and the disability you and your physician are claiming".

Now you're thunderstruck! He smiles to himself and comes at you from another angle, "I've seen thousands of cases like yours and I've had more than my share of exposure to personal injury claims, examinations, doctor-talk and salvage - - the whole nine yards. I've seen corporal trauma at its slightest and its worst. Any judge or jury would know, once they heard about your so-called 'injuries' that your corporal problems were practically non-existent".

He'll take a miniature to let that sink in and then he'll exertion to sway you even more by telling you he can prove your time lost from work was not compatible with the injury involved. He'll hint colse to about some "independent information" he's supposedly gathered from your neighbors and/or enterprise associates, which indicate you've been complex in "very active" corporal activities since the accident.

Once he lets that one sink in he'll roam on about the "independent examination" the physician hired by Granite Mountain executed, telling you, with outrageous confidence, that his doctors healing report states there was little, if anything, wrong with you. Then he'll categorically try this one on for size: "My physician is a expert .The only people he ever sees are those who've been in motor vehicle accidents. That's what he does all day long, check out personal injury claims like yours. His report clearly states your corporal problems were practically non-existent".

He hums a happy tune to himself as he observes the amazement marching over your face and that drum beat he's heard so very often begins to pound away within the gray matter in the middle of his ears: Boom/Boom/Boom, declaring, "I gotcha!, I gotcha!, I gotcha!, I gotcha!"

If you let Strong get away with that than his exertion at downgrading your disability will have been successful. As a way of "proving" what happened to you wasn't serious he'll quote your "so-called injuries" with fancy healing language and then assess them to the more greatest types of personal injury problems or conditions he's dealt with in the past. The implication being yours were obviously minor and have little, if any, value.

At that point he'll read the statements and opinions in your own attending physicians healing report in such a way which, if not read properly, he'll insist proves, "You may have been a miniature sore from a miniature injury but it clearly states you categorically didn't have any serious corporal problems". (You can bet every dollar in your wallet that he's made that statement some thousand times)!

You're fast discovering that neither Adjuster I. M. Strong nor his supervisors at Granite Mountain assurance are going to be fair. They're out to take advantage of you. That's the name of their game and that's what they get paid to do. Question: Is that categorically true? Answer: Yes, it's categorically true. Take it from Dan, I was on that firing line for 30 years!

From that point on you shut down. You be the listener. Let him babble on. When he's finally done, you say, "Your points about my injuries are very interesting. I'd like to discuss them in information with my doctor". Pause and then add, "We'll call this off for now while I go back and consult with him."

Before he answers you should get up, smile, point towards the kitchen door and bid him "Goodbye". If he balks, sneak a peek at your watch, tell him you're late for another appointment and insist your meeting is over. He'll have no choice but to leave.

If you do that here's what you'll have accomplished:

(1) You'll have seized the bargaining "momentum" and control from the adjuster and, if you remain adamant he'll never get them back.

(2) Served observation on him that it's you, not he, who will now call the shots in the negotiation "Power Game" he's been playing.

(3) Impressed the adjuster that the community will be done on your terms, not his.

You may ask: Okay, I threw the adjuster out and let him politely but categorically know I'm not going to buy into his nonsense. So, when this all gets played out, what have I accomplished?

The reply is: I. M. Strong is aware you've not bought into his pitch and in his private heart he perceives that reality. For those in the home office (so as to know exactly where they stand) his instructions have always been that all that passed in the middle of the two of you is placed into the report's he continues to send in, concerning the community talk's he's been having with you. So, the fact that you're not buying his story, will go into your file to be read by that adjusters superiors.

Once they do they'll have no choice but to close that you're no pushover!

You're going to stick to your guns because you're right and the healing report your attending physician executed for Adjuster Smart is legit. You know that both your "pain and suffering" and the distance of salvage from your injuries, has been clearly stated.

Smart has correctly assumed that you're not accepting his usual pitch, filled with mumbo-jumbo nonsense, yet so often works. It's starting to dawn on him if he doesn't change his tactics you're going to hand you case over to an attorney and his superiors at Granite Mountain won't be dancing for joy should that come to pass.

Wait five or six weeks then call Smart and ask him to come back to talk some more. I flat out warrant you the next time you meet the power will have shifted into your angle and you'll never again hear him exertion to minimize your injuries. That often comes to pass because he's received this typical six word, one line memo, from his supervisor at the home office, "Settle this one and move on".

Granite Mountain will have reached the point where they're satisfied to pay and get rid of you. Why? Because personal injury claims continue to pile up and clog their incoming pipeline. They've got a lot of other unsuspecting prey to trap and shoot and it's clear you're an personel who's too wise, too tough and too difficult for them to fuss with any longer.

Disclaimer: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor (name of magazine/newsletter and/or web site) make any warrant of any kind whosoever; Nor to substitute for a lawyer, an assurance adjuster, or claims consultant, or the like. Where such expert help is desired it is the Individual'S responsibility to fetch said services.

Dan Baldyga's latest book Auto accident Personal Injury assurance Claim (How

To evaluate And decide Your Loss) can be found on the internet at his web site http://www.autoaccidentclaims.com or visit your popular bookstore.

Copyright (c) 2002 Danil G.Baldyga. All proprietary Reserved

Dan Baldyga

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