When you slip and fall and suffer an injury, you shouldn’t have to think about negotiating your claim to the fullest—but you do. This is because insurance companies don’t want to let go of money and pay you what your claim is worth. As a result, insurance companies spend extensive time training their insurance adjusters in negotiation techniques. They don’t let just anyone negotiate for them or give just anyone authority to pay claims. These insurance adjusters know what they are doing and negotiate from a position of strength, so you need to know how to talk with an adjuster.
Dealing With the Insurance Adjuster
You may know that your slip and fall injury wasn’t your fault, but the insurance adjuster may still try to place the negligence onto you instead of on the insured. This is a frequent tactic used by adjusters to minimize your claim. When they do this, you may feel like you should accept the offer they are providing you, but you can turn their offer down. Here’s what you need to know when negotiating your slip and fall claim:
- Stay calm and don’t let your emotions get the best of you.
- Keep reminding yourself that you are a victim. The insurance adjuster will attempt to manipulate the situation.
- Let the insurance adjuster know you will not accept a token amount for your pain and suffering.
- If you feel intimidated, let the insurance adjuster know you plan to retain an attorney with experience in slip and fall claims.