When you get involve in a car accident and you are claiming for compensation for the at fault party insurance company, that is the time when you have to negotiate with the insurance adjuster. All the expense and compensation to be incurred will be calculated by the insurance company, after you file claim, which involves damages sustained by your car and the amount of medical expense for your injury if any. The resulted calculations will be negotiated to you by their insurance adjuster as quickly as possible since insurance company assumes that you require the money immediately, this kind of strategy will force you to settle for the lower amount so that you can have the money as early as you need it.
However, you should not settle in hurry because there might be other expenses that you might encountered or more injuries might be notice that require more medical attention that add up to your expenses, so it is better to take your time in settling for insurance deals with the adjuster. When settling for the insurance claims ensure that all necessary documentations are available for presenting to the adjuster, be ready to answer all the questions of the adjuster based on facts, do not get intimidated. Have a copy of the report coming from the third party including certificates from medical expert if any. Document in detail all the facts including notes from your doctor.
If you done your homework well there are no reasons for the adjuster not to give in for the settlement you offer, if not then that is the time to tell the adjuster that you will seek legal assistance and settle the claims in court battle, probably the adjuster will realize that you are serious in getting settlements. Thus the adjuster will rethink their offer to you and offer a new settlement, if the amount is fair enough then agree for their offer.
It is difficult to deal with insurance adjuster but when dealing with them you have to be firm and well prepared to defending your claims by that you can get a fair settlement.