counter offer from Insurance company rejected

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 7, 2012

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Insurance Question from Daniels, MD

Asked on 03/07/2012

counter offer from Insurance company rejected Insurance co. comes up with the value for a totaled car. They send the offer and you believe its no enough. You use there market research and come up with a different value. You submit a counter offer, they reject it and stand by the original settlement offer. Next step? how long before you answer

Answer given on March 23, 2012

If you feel the settlement offer for a total loss on your car is not enough, you do need to find evidence to support your claim for additional money. While the adjuster is not required to accept this, if you have accurate information, you should be able to prevail.Make sure the paperwork you are providing is for the exact year and model of your car, with similar mileage. The paperwork also needs to be from your area. You can’t provide valuations for a car that is in a different state, since car values can vary widely in each state.If you have proper documentation and the adjuster still won’t work with you, ask for a supervisor. Present your case to them and see if they agree with your valuation. If not, ask why they are denying your values and see if there is something more that you can do to support your claim.

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