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Most states have laws that require you to have auto insurance if you are going to drive a vehicle. With that comes the assumption that they will cover all injuries to your person or the other persons involved in the accident. However, if this doesn't happen, you need to hire a personal injury attorney to help you negotiate with your insurance adjuster to make sure that you get what you deserve. There are several things that your attorney will research when pursuing a satisfactory settlement. One of the things that your lawyer will need to get from you when you are working with your auto insurance adjuster is the minimum amount that you want to receive in your claim. This figure should be only between you and your attorney and helps you make a good decision in a hurry. But don't just settle for minimum. Another thing that your personal injury attorney will suggest is that you don't accept the first offer that your insurance makes because they will automatically come back with the lowest settlement offer. In order to do this properly, you need to know what your claim is financially worth and how quickly you need to have it settled. You also need to know how experienced your adjuster is because the more experience he has, the more money he will have to work with. If you don't like the first offer, you can always counter it with a new one. If your adjuster comes back with a settlement that is much lower than you expected, you need to find out why. Often, it is to test how resolved you are to get a higher one, but sometimes there are valid reasons that you did not consider. If so, you may want to consider lowering your demand. Make sure that you take notes when you question your adjuster so that they can be analyzed and a response can be written. If you still believe you are right, you should stay strong on your claim. If you do decide to reduce your claim settlement, don't do it more than once before your insurance adjuster raises the original offer. This will let the insurance company that you are serious and your claim is important. If you lower it too much, the adjuster will assume that you don't know what you are doing, and you will end up giving up and accepting their offer. Just make sure that you drop your expectations slowly if your adjuster seems willing to negotiate. When it is all done and the settlement has been reached, you and your personal injury attorney will determine what is fair in your particular case. The auto insurance company will realize that you mean business, and you will get what you deserve. When you have been in an accident, you need the help of a Personal injury attorney. Philadelphia residents look to The Pearce Law Firm for help with their case. To learn more, visit: http://thepearcelawfirm.com
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