Negotiating with Adjusters Effectively
Insurance adjusters make up the faces and the front lines of insurance companies. Often they are the decision makers on whether or not an insurance company will pay out a claim. The important questions then become, how do adjusters think? What makes them sit up and pay attention?
The three principles that all good personal injury lawyers use when negotiating with adjusters are Documentation, Articulation, and Imagination.
First, adjusters hate to see claims that are well-documented, because they realize that some of the more skeptical jurors who would otherwise doubt a personal injury victim’s claim, will instead quickly turn their skepticism on the defendant and his insurance carrier for not quickly recognizing that what the plaintiff is saying is true.
Second, adjusters dislike when negotiators can effectively articulate why the insurance company is liable and what the plaintiff has been through, because the insurance companies are counting on your not being able to explain to a jury why it makes sense to compensate an injured person for their suffering.
Last, imagination is a foreign concept to most insurance adjusters, many of whom have a rigid program of check-the-box procedures and protocols to cover virtually any scenario their risk assessors have foreseen. Consequently, when a personal injury victim or their lawyer uses the law or the practical realities of the profession in imaginative ways to put pressure on the adjuster to act quickly and in the victim’s favor, the adjusters do not know how to react, and are thrown off balance in the negotiations.
While each principle is important in and of itself, when combined these principles become a proven method for maximizing your negotiating power with adjusters. For ideas on ways in which you can negotiate effectively with the insurance adjuster in your specific case, give us a call, and we’ll speak with you at no charge.