Negotiate with your insurance adjuster However, if you think the bid for the value of your vehicle is too low, you can start negotiating with your claims adjuster. If you decide to negotiate, you may want to be prepared to show how you came up with the desired payment number. Negotiating with an auto insurance adjuster is much like negotiating with a used car salesman. The adjuster's best interest is to give you as little money as possible, and their goal is to get fair compensation for your expenses.
These sometimes conflicting interests can make some negotiations difficult. Regardless of whether an adjuster will ever admit it, everything is negotiable. They may not want to negotiate with you personally, but they can't deny the principle. If you have a strong case with detailed accident and injury reports, it could be very attractive to lawyers who specialize in insurance agreements.