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ImageWhen to preempt the adjuster's/surveyor's settlement

Usually it is the insurance company that makes the first move to offer you a settlement on your claim which could be all, or part, or in worst cases even nothing none, will typically be on the low side.

After all, it is the job of the adjuster/surveyor to save the employer's money. At the same time, the adjuster/surveyor would like to close a case and has the rights to typically allow a settlement range during negotiation.

In case you are definite on the value of your claim, which is advisable to be done only after consulting a lawyer experienced in handling car accident claims cases, you could preempt your insurance company by writing a demand letter mentioning the claim amount you believe your claim is worth.

Usually, the adjuster/surveyor will return to you with a counter offer which will be predictably lower sparking off a series of negotiations. Luckily if you reach an agreement then it is ok but when he gets to the top of his range that he usually has there will be no further offers and there is an impasse.

Before moving on to find out the other options available to you as the insured, you should first find out if your claim that has been denied either in whole or in part, has any legitimate and reasonable reasons to it.

Try to find out if the denial has to do anything with the limits in your coverage. Usually, the adjuster/surveyor will send you a denial letter against your policy. Check this to see if the denial seems legitimate or not. If you still feel that your claim has been unfairly denied, read on to find out the other options before you.

However, there is a word of caution. Whatever the course of action you decide to take on reaching an impasse remember that it should be based only on facts and made at the right time. If you sit on your claim for too long, there is every possibility that you might lose the right to sue in court to get your recovery.
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