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How to Negotiate an Injury Claim with Travelers Insurance

What to Know About Travelers Insurance

In the United States, Travelers Insurance is the second largest writer of commercial casualty insurance policies and the third largest writer of personal insurance policies. Although headquartered in New York City, the company has field offices staffed with independent agents and brokers in every state. Because of the size of this insurance company, chances are you, a loved one, or someone you know has at least one policy through Travelers.

If you suffer a personal injury, you may find yourself needing to deal with a claims adjuster from Travelers. It has been reported that while some Travelers Insurance claims adjusters are reasonable and pleasant to deal with, others are not so eager to pay you the money you need following an injury. You must remember that an adjuster’s job is to settle lawful insurance claims for as little money as possible. In other words, if the adjuster can get you to agree to a settlement amount that is less than the total cost of your claim, they have done their job successfully.

How to Negotiate with Travelers

You may find it necessary to negotiate a settlement with a Travelers Insurance claims adjuster. Here are some tips to increase your chances of obtaining a fair settlement that fully compensates you for your injury:

  1. Come up with a settlement offer and send it to Travelers Insurance. As soon as possible following an injury incident, you should come up with a settlement figure for your claim. This should account for all the losses you experienced, including lost wages, medical bills, property damage, and pain and suffering, as well as future losses you may experience, such as loss of enjoyment of life and lost future earnings. If in doubt about the amount of your loss, err on the side of overestimating, as opposed to underestimating. Mail a letter with this settlement amount to the claims adjuster handling your claim.
  2. Expect your Travelers Insurance claim adjuster to argue with you over your claims value. Your claim adjuster would not be doing their job if they paid your claim without trying to get you to settle for less. In fact, you should expect that the adjuster will counter your initial offer with an unreasonably low offer. This may be your adjuster’s way of seeing if you know what you are doing. If your adjuster makes a low counteroffer, ask that the adjuster justify the amount they are offering.
  3. Highlight favorable circumstances of your claim. Your Travelers claim adjuster will be familiar with the basic facts of your injury incident. What your adjuster may not be aware of are favorable details or emotions that accompany your claim. If the injury was the fault of someone else or if you suffered severe physical pain or emotional anguish, highlight these facts and circumstances. Your Travelers Insurance adjuster may be more willing to settle your claim if they feel your story would be sympathetic in court.

Get Help from Experienced Personal Injury Lawyers

Negotiating with an insurance company is a very difficult task, and you should not feel ashamed to ask for help from a skilled personal injury attorney. Adjusters who work for Travelers Insurance are well-trained and can have years of experience in settling injury claims for as little as possible. Even if you are clearly entitled to payment of your claim, feelings of guilt, frustration, or panic are common when dealing with a Travelers Insurance adjuster.

At Zinda Law Group, our team of injury attorneys have helped many clients obtain fair settlements from Travelers Insurance, and we can help you negotiate the best possible settlement as well after your injury. Contact us at (800) 863-5312 today to schedule your free consultation.



 

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