If someone has been injured during the course of an accident, then that same injured victim has the right to submit a personal injury claim. That claim gets sent to the insurance company of the person that was responsible for the injury-causing accident. The insurer, the head of that particular insurance company assigns different claims to different adjusters.
How does a victim contact the appropriate adjuster?
All victims should request the name of the company that sold an insurance policy to whichever individual has aided a given accident’s occurrence. That name indicates the address for the intended recipient of the victim’s demand letter. That letter should give the amount of money that the claimant/victim seeks, by way of compensation.
Adjusters read and study each demand letter that has come from one of their claimants. Some adjusters issue a reasonable response; others do not. In either case, the adjuster’s response should serve as the same adjuster’s initial offer.
How should victims respond to that initial offer?
No victim/claimant should accept that initial offer. If the adjuster has proposed a reasonable figure, then the victim’s next move should involve proposing a counteroffer. If the response/initial offer were to be quite low, then the claimant/victim would need to take a different action.
That action would call for taking a series of steps. Step 1 should involve calling the adjuster, and asking for a justification of the astoundingly low offer. Claimants that listen to an adjuster’s explanation ought to take notes. Using those notes, the Personal Injury Lawyer in Waterdown for the claimants should compose a written answer to the adjuster’s critical comments.
Strategies to employ during a claimant-adjuster interaction
Smart claimants emphasize any significant, emotional points. For instance, a claimant could attach a picture of the damaged vehicle to the demand letter. Alternately, the claimant’s statements could include mention of the various ways that the effect of the reported injury had disrupted the claimant’s life.
How to follow-up on those proposed strategies
Claimants that have composed a written response to some adjuster’s comments should await a reply. If no reply has arrived within a reasonable amount of time, then that should trigger a different action. At that point, an excuse has emerged, an excuse for a phone call, from the claimant to the offices of the insurer’s employee (the adjuster).
During that phone contact, the caller/claimant should try to learn how the person at the other end (the adjuster) wants to proceed. Usually, those sorts of phone calls push adjusters to put forward a more reasonable offer. That then becomes a green light for further negotiations, and, hopefully, an agreement on a settlement figure. The achievement of an agreement paves the way for a final settlement.