How To Negotiate A Settlement With An Insurance Claims Adjuster

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

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 through exactly what happened to you, with the same sort of claim as yours. Sure, you had a period of discomfort 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 victorious look (one that says he knows it all) begins to march across his face. At that point he predictably states, "Look, I can tell you, after handling thousands of cases like yours, that the discomfort you may have had, for a couple 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 doctor 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 recovery - - the whole nine yards. I've seen physical trauma at its slightest and its worst. Any judge or jury would know, once they heard about your so-called 'injuries' that your physical problems were almost non-existent".

He'll take a minute to let that sink in and then he'll attempt 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 around about some "independent information" he's supposedly gathered from your neighbors and/or business associates, which indicate you've been involved in "very active" physical activities since the accident.

Once he lets that one sink in he'll ramble on about the "independent examination" the doctor hired by Granite Mountain executed, telling you, with outrageous confidence, that his doctors Medical Report states there was little, if anything, wrong with you. Then he'll surely try this one on for size: "My doctor is a professional .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 physical problems were almost non-existent".

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

If you let Strong get away with that than his attempt at downgrading your disability will have been successful. As a way of "proving" what happened to you wasn't serious he'll describe your "so-called injuries" with fancy medical language and then compare them to the more extreme 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 Medical Report in such a way which, if not read properly, he'll insist proves, "You may have been a little sore from a slight injury but it clearly states you certainly didn't have any serious physical problems". (You can bet every dollar in your wallet that he's made that statement several thousand times)!

You're quickly discovering that neither Adjuster I. M. Strong nor his supervisors at Granite Mountain Insurance 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 really true? Answer: Yes, it's really 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 detail 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 notice 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 settlement will be done on your terms, not his.

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

The answer is: I. M. Strong is aware you've not bought into his pitch and in his secret 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 everything that passed between the two of you is placed into the report's he continues to send in, regarding the settlement 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 conclude that you're no pushover!

You're going to stick to your guns because you're right and the Medical Report your attending physician executed for Adjuster Smart is legit. You know that both your "pain and suffering" and the length of recovery 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 beginning 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 guarantee you the next time you meet the power will have shifted into your corner and you'll never again hear him attempt 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 individual 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 guarantee of any kind whosoever; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to obtain said services.

Dan Baldyga's latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How

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

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

Dan Baldyga

About The Author

For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of.

dbpaw@attbi.com

---

Health Savings Account (HSA): How Do I Invest It?

The Health Savings Account (HSA) is an amazing tool that... Read More

Why Boats Are A Pleasure... But You Still Need Boat Insurance

One of the greatest pleasures that a man can have... Read More

Insurance Providers Weather the Storm While Consumers Flounder

We have just had the first year's anniversary of the... Read More

Long-Term Care Insurance: Eldercare Solution

When I suddenly had to become a fulltime caregiver to... Read More

Auto Insurance for Young Drivers

The biggest worry of most parents today is their children... Read More

Life Insurance: Who Needs It And How Much Do You Need?

Your friendly, neighborhood life insurance agent is most likely to... Read More

Finding Life Insurance Quotes For Adult Children

Shopping for life insurance quotes for adult children isn't any... Read More

What Do You Mean My Auto Insurance Policy Doesnt Cover This!!

Auto insurance is an agreement between you and your insurance... Read More

Homeowners Insurance Coverage

When deciding on the appropriate amount of homeowner's insurance coverage... Read More

Keys To Controlling The Future of Health Care

Several key changes are necessary to get control of the... Read More

An Annuities Primer

Though popular among today's aging Baby Boomers and members of... Read More

How To Save Money On Your Homeowners Insurance?

In order to save money on your homeowners insurance you... Read More

Life Insurance Without Life Value: Why Young People Are Snubbing Financial Advice

This article is written by a 27 year old female... Read More

Should I Buy Rental Car Insurance?

Rental car agencies have a menu of insurance policies they... Read More

What To Do When You Suffer An Injury On The Job?

For over 30 years I have been representing injured workers... Read More

Your Personal Injury Insurance Claim: Several Crucial Insights Into Medical Reimbursements

The best judge of Total Disability and/or Partial Disability is... Read More

Long Term Care Insurance How Much Should I Buy?

Long-term care insurance policies have a variety of features and... Read More

10 Tips to Save on Healthcare Insurance

Americans shopping for their own healthcare insurance can substantially cut... Read More

Health Insurance Plans - Benefits to Different Plans & Providers

Health insurance plans vary in their coverage and prices. The... Read More

Cheap Car Insurance ? 7 Tips To Reduce Your Car Insurance Costs

With the cost of car insurance becoming more and more... Read More

Choosing Long-Term Care Insurance

A little over sixty percent of the folks who reach... Read More

Long Term Care Insurance - Low Cost Alternatives For Budget Conscious Seniors!

With Nursing home Cost's running $4,000 to $6,000 a month... Read More

Health Insurance Coverage

Health insurance is something that everyone needs today. The rising... Read More

Online Insurance Quotes California Auto

Finding insurance quotes for California auto is now pretty easy.... Read More

Term Life Insurance - Buy Term and Invest the Difference!

The phrase "BUY TERM AND INVEST THE DIFFERENCE" evolves around... Read More

Group Term Life Insurance and the Options Available

Group term life insurance is more affordable than individual life... Read More

How Will an HSA Save Me Money?

The Health Savings Account (HSA) is a tool to help... Read More

Disaster Decision - Do You Need Insurance?

The expenses involved with owning a home can be overwhelming... Read More

Is Purchasing Travel Insurance Smart?

To answer the question "is purchasing travel insurance smart?" let's... Read More

Car Insurance Monitoring for Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi

For a price, would you let car insurer along for... Read More

Life Insurance Leads, Insurance Leads, and the Online Lead Generation Business

I've long wanted to write an article about Internet Leads... Read More

What Price For Your Health?

How do you put a value good health? For many... Read More

Types of Life Insurance

There are different types of life insurance policies available. Shop... Read More