With the major flooding happening in Hunt Valley, and some Baltimore areas, residents are forced to deal with their insurance adjusters to see if they can get anything back. are I’ve put together a list of what people need to do when negotiating with their insurance adjuster to make sure they maximize what you can get back.

Do not let the adjuster manipulate you into signing any type of agreement. During your hospital, stay is certainly not the time to be signing an agreement. Do not let the adjuster have the upper hand, let him or her know that you will call when you are ready for a meeting.

When you are home and considering all the mounting bills related to the accident, you can now prepare for a visit with the insurance claims adjuster.


  1. Gather all the documents you will need including the accident report, photos of the cars involved in the accident, photos of your injuries, and all medical bills and doctor’s reports regarding rehabilitation, when you can return to work, and documentation of last wages.
  2. The claims adjuster will ask to see each and every one of these documents. Of course, he or she will disagree with the findings of your physician and even how long you have been off work. You may even hear him say that he has seen thousands of cases just like yours and the offer he has is all that you will get.
  3. Just remember, at any time, you can ask him to leave if he is getting too pushy or annoying. You can contact him later. By making him wait until you called in this first has put in charge but this does not mean he will not try to get you to settle for less than you deserve. Just don’t let him take advantage of you.
  4. As stated before he will try to bully you into signing a settlement agreement. If you do not agree, do not sign. He will certainly let you know that he has been in the business for years and that he knows what he is talking about. Well, maybe he knows how to bully individuals into signing, but every case is different and you need to stick to your guns.
  5. As the negotiations begin, he will compare your case with others that have had similar accidents and injuries. This does not mean you have to take that settlement.
  6. By going through your own medical bills, the cost or repairing or replacing your vehicle, and your lost wages you should have an idea what you desire in the settlement, do not sign the settlement just because the adjuster states you cannot receive more than his offer.
  7. The next part of the settlement will be for wages lost. You should have a document from your employer stating the amount of days you lost and the amount you would have been paid for those days. You should not compromise on this amount.
  8. Injuries will be next. Here you will need to have all your medical bills so you can be reimbursed for the money you paid out of pocket or that needs paid to the hospital and doctors. The amount for pain and suffering is roughly around three times the costs of your medical bills.

Now, that you have shown all your proof if you cannot come to a fair agreement in your mind, tell the adjuster you need a few days to go over the offer. Take all the information to an attorney and ask if the settlement is fair if you do not agree with the insurance adjuster.