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Insurance Adjuster's Top 10 Excuses for a Low Ball Settlement Offer

  1. It was a minor impact so your injuries could only be minor.
  2. You received more medical treatment than you needed.
  3. Your doctors charged more than is reasonable.
  4. You suffered only soft tissue injuries.
  5. You are young; you should have bounced back from your injuries.
  6. You are old; your medical complaints are due to age-related conditions.
  7. The records from your final doctor visit state you had no complaints at that time, thus you must have completely recovered.
  8. Your claimed injuries were actually pre-existing.
  9. You delayed seeking medical treatment, so you couldn't have been seriously injured.
  10. I am not paying you for lost wages because you had no doctor's note telling you to take that time off.

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