What if you don't agree with your car insurance adjuster?


Editorial team Published on

You do not have to accept a car insurance adjuster's initial offer or estimate, as it is only a starting point for negotiation.

💡 Steps to Take

  • Review the offer in writing: Request a detailed breakdown of the calculation, including valuation sources and policy provisions.
  • Gather independent evidence: Collect competing repair estimates, photos, or local market data showing higher vehicle values.
  • Submit a counteroffer: Present your documentation calmly and clearly to the adjuster.
  • Request a supervisor review: Ask to escalate the claim if the adjuster refuses to adjust an unfair evaluation.
  • Invoke the appraisal clause: Use your policy's formal appraisal process to hire independent appraisers if valuation remains deadlocked.
  • File a state complaint: Contact your state insurance department if the company acts unfairly or delays unreasonably.
  • Consult an attorney: Hire legal representation for major damage, injury claims, or suspected bad faith.