Nobody wants to deal with damages to their car or to their home. Yet accidents and acts of nature do occur, whether it is a truck ramming into your car or hail punching holes into your roof. When these things happen, your only option to keep repair costs and medical bills low is to file an insurance claim.
According to your specific policy, the insurance adjuster will arrive at the scene and evaluate the damage. Then they will determine the right amount of compensation to pay for home repairs, car damage, replacement items, and medical costs. When the settlement comes to your door, most people simply accept the quoted amount because they are afraid that if they don’t, the insurance company will simply pull the claim and offer them nothing.
Yet you do have negotiation room when it comes to settlement offers. You don’t have to take the first one delivered to you, or even the second one. Check out the following advice regarding first settlement offers from insurance companies and what you should do about them.