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

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Jun 15, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption