How do insurance adjusters settle cases?

Documentation, documentation, documentation. Insurance companies require a lot of documentation before they offer to settle a case. This documentation may be in the form of witness statements, accident reports, other insurance policies, and medical records and bills. It is important to understand the process used by adjusters to evaluate cases if your goal is to settle the case. Without written proof of the loss, insurance companies will not offer to settle the case. It is simply not enough to claim that an injury caused you severe pain which limited your ability to work, but you failed to see a doctor about the pain. In some instances, the excuses used to justify not going to the doctor for a serious injury may work at trial, but it will not work with an insurance adjuster in considering settlement. Thus, if your injuries are serious enough to warrant medical care, then you should go to the doctor for treatment. That treatment not only helps you get better, it is an objective ...  more