• What is the Best Response after the Personal
Injury Insurance Adjuster Gives His Settlement Offer?
• Threatening “Bad Faith”
• “Nibbling” at the Close of Negotiations Settle it Yourself Newsletter
Settle It Yourself Newsletter
Hello!! Welcome to the March edition of Settlement
Central’s Newsletter. We are pleased to share this newsletter with you, as
our business is helping people get satisfactory settlements for their
personal injury claims.
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In this month’s issue, we will discuss the options for
your best response after the adjuster gives his settlement offer.
Thank you for your interest in our site; we hope you will
find us to be an excellent source for your own personal injury needs!!
Publisher, Settle It Yourself Newsletter
What is the Best Response to Make after the
Personal Injury Insurance Adjuster Gives His Settlement Offer?
Start out with the assumption that the adjuster is not
going to make his first offer equal to the entire sum he is authorized to
pay. No, he will make a lowball offer—often times much lower than his
authorization—in the hope that you will capitulate and accept it on the
spot. You can expect one or all of the following three strategies to
accompany his offer because people generally fall for them and accept what
he says as the truth.
He might suggest that the amount offered was decided by a
“review committee”; or he might state that he went to bat for you and got
you all that he possibly could; or he might combine these two, and end by
stating that he does not like to “fool around negotiating” and so this is
his best and final offer.
Naturally we address each of these strategies in detail
on the member’s site of SettlementCentral.Com,
JOIN SettlementCentral.Com NOW!! You will learn there why he uses these
techniques, and how to deal with each of them. For example, the mention of
a “review committee” is becoming a very popular ruse used by adjusters on
unsuspecting claimants (and many attorneys as well).
But in reality it is no more than a bogus attempt to put
some credibility behind something the adjuster and his supervisor cooked
up. It evokes an image of fair minded adjusters sitting around discussing
the strengths and weaknesses of someone’s claim, each of them having in
front of him or her a copy of the medical file and various documents for
Come on! Do you really think that insurance companies do
that? Of course they might in some bigger claims, but NOT for the types of
claims you will be settling on your own. We teach our members how to
recognize those ruses and how to stop the adjuster in his tracks using
powerful and effective rebuttal language.
Now, to answer the question as to what to say right off
the bat after the adjuster gives you his lowball offer, we suggest that you
will want to project strength of purpose: the resolve and the patience to
see this claim through to a successful conclusion. So, no matter what the
offer is, be prepared to reject it with powerful language. That does not
mean aggressive language; be calm and sure of yourself in communicating
your rejection of his offer.
But let’s take a look at what NOT to
say. Let's start with just one example of one of the worst things you can
say once he lays his lowball offer before you. Suppose he just told you
this is “the most my review committee has authorized me to pay”; DO
NOT go asking him, "So you don't think you could ever pay any more
than that?" What do you expect him to say? He is just going to use the
opportunity to reaffirm that he is at his maximum limit. Do you really
expect him to say he was just fooling and that he really wanted to offer
you twice as much? You will have just undermined your chances of ever
getting much more than he put out in his first offer.
How should you respond? Express disappointment. Tell him
that you are disappointed in his offer; but you will provide him additional
information and get back to him. That is all you really have to say. Be
courteous, but do not engage in idle chit-chat after he has laid out a
lowball offer. We have a script of conversation points on the member’s site
to aid in making responses that will preserve your options to demand more
in your next go-round.
Now, for you, our Settle It Yourself Newsletter
subscribers, we have created a special page with some additional
tips in it. You will be given a link to it below. For truly helpful,
informative, additional FREE help on understanding insurance adjuster
communication topics such as:
• Threatening “Bad Faith” is a BAD Idea in Most
• “Nibbling” at the Close of Negotiations in Personal Injury
Settlement Central offers an expansive section on
negotiations and how to succeed without becoming a used car salesman in the
process. You will learn valuable techniques that our attorney members have
learned from this site and now use with their own cases. You will also have
access to examples of “second salvo” letters that you can send in to boost
the adjuster’s offer and achieve a fair and reasonable maximum settlement
To access this valuable information, please join now!
Settlement Central |
SettlementCentral.Com, Inc. is a Washington corporation
providing general educational information, online, to personal injury
victims throughout the United States on how to manage their own personal
injury claims through the settlement process—from gathering the necessary
information (evidence) to submitting claims and demand letters, through
engaging in successful personal injury settlement negotiations with
insurance companies. Our online instructions and self-help forms and
letters are designed to make for easy insurance claims settlements in the
areas of auto accidents, pedestrian accidents, dog bites, vicious animal
bites, premises liability, and slip and fall accidents.
Your comments and suggestions are welcome! Tell us what
topics you would like to see discussed in this newsletter and we will do
our best to bring you current useful information. Write to us at: