Our claim adjustor is refusing to negotiate our claim amount unless we can provide additional medical bills and documentation

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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: Jun 15, 2012

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Insurance Question from Milwaukee, WI

Asked on 06/15/2012

Our claim adjustor is refusing to negotiate our claim amount unless we can provide additional medical bills and documentation I was in an accident on my wedding night-the other party was at fault. My husband received treatment for minor injuries that night. I discovered later I had significant bruising but I didn't see a doctor. His medical bills totaled $1389. The adjustor offered my husband $800 & me $300 for general damages. I explained the loss of consortium we experienced & the adjustor upped the amount to $1000 and $500. In trying to negotiate further, the adjustor claims she cannot increase the amount without additional medical bills. Does this sound fair? Is there a way to argue for more or should we settle?

Answer given on June 16, 2012

When you suffer injuries in an auto accident that is not your fault, the insurance company for the other party will pay for your medical expenses as a part of the settlement. However, the insurance company will wait for all bills to be submitted before offering a settlement. In your case, you seem to be asking for medical payments but have not yet provided all of the bills in question. If you provide the additional bills being requested, the insurance company will probably increase their offer to include the additional costs you and your husband incurred plus the non-injury offer.If you paid for the medical bills in question, it seems it would be simple to provide a copy to the insurance company. This part of the settlement is reimbursement and the adjuster does need proof of the expenses you say were incurred. This does not seem to be an unreasonable request from the adjuster, and I’m not sure why you are unwilling to provide this information.


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