HOW A PATIENT SHOULD ATTEMPT TO NEGOTIATE HIS OR HER SETTLEMENT FOR THEIR PERSONAL INJURY WITH THE TYPICAL INSURANCE CLAIMS ADJUSTER
By Dan Baldyga
PROCEEDING FORWARD WITH THE CLAIMS ADJUSTER: Be pleasant, but firm. No matter how much in the wrong the person is that hit you, no matter how they acted at the scene of the accident, and no matter what they may have verbalized at or about you, don't take it out on the adjuster.
You should always show the adjuster you're willing to negotiate in "Good Faith" . The first rule of bargaining is to never lower your demand until the adjuster makes a counter offer. If you lower your demand one or twice during a single negotiation contact (whether in person or during a phone conversation) without the adjuster making a counter-offer, you've revealed that your initial demand is weak.
If you lower your demand wait until the adjuster makes a counter-offer before reducing it a second time. A negotiation process is similar to selling a car or any other property. You initially ask for more than you're willing to accept and the potential buyer offers less than they're willing to pay. After some “Give & Take” you settle on a price which makes both parties conclude they’ve received an acceptable deal.
Should you want to learn how much the "Pain and Suffering" you experienced (because of the injury you sustained) is worth, go to "http://www.autoaccidentclaims.com". There you'll discover my third "How To" Insurance Claim book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss).
DON'T HURRY: A claim settle in haste is rarely paid its fair and full value. First, I respectfully suggest that you read AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM, so you'll come to understand THE BASE FORMULA (The Baldyga Auto Accident Settlement Evaluation Formula) which is found within the confines of this book. My BASE FORMULA will tell provide you with a solid "Ball Park" figure as to how much money you're injury is worth!
THE ADJUSTERS CLAIM LOAD: The job performance of insurance adjuster is judged not only on how little of their companies money they spend on settlement - - they're also expected to bring each claim they're assigned, to a conclusion, as soon as possible. They're constantly under pressure from their superiors to settle your claim and told, "Get rid of this one and move on" ! No adjuster will ever admit it but the weight of his or her case load comes down on your side of the scale. It's an advantage most people are never aware of.
YOU ASK: "How can Dan Baldyga be so sure about all of what he's said above”?
THE ANSWER TO THAT IS: "I spent over 30 years as a Claims Adjuster, then promoted to Supervisor, and later Claims Manager. I also spent my last 5 years as a Trial Assistant. I'm absolutely certain how a claimant's loss is handled, evaluated and brought to a conclusion".