So the insurance company tried to ignore your claim as long as they could? Wouldn’t return voicemails? When they did reply, the offer was way too small. And the adjuster acts like you’re asking the world for a trivial injury. And that cases like yours settle for their lowball amount every day. Sound familiar?
The insurer is using their two most common and potent tools to save money: delay and compromise. The longer they hold onto that money, the more they make on it by having it invested elsewhere. And the more likely you are to go away or want to…compromise. Obviously the less money the insurer pays you, the more money they save. Insurance adjusters have a trick bag of pat lines and stock speeches to make you feel uncomfortable about demanding money from their insured. The adjuster has dealt with hundreds or thousands of claims, while this is (hopefully) your first.
With the right case, an experienced personal injury lawyer who has dealt with a number of cases knows how to beat both tactics. Sometimes it takes forcing the insurer’s hand with the expense and delay of the court system, but the case will eventually get resolved for the right amount with the right lawyer.