ClaimClinic: Countering Adjuster Offer
You should begin writing a response letter to the adjuster’s offer while his/her comments are still fresh in your head. You won’t write the entire letter yet, just the portion re-stating their offer and their explanation(s). [See form response letter].
Your letter will have 2 main sections: “Your Proposed Counter-Offer” and “Revised Demand.”
Adjuster Counter Offer Section
The section should state the date and time you talked about their counter-offer, what their offer was, what part of their offer they attributed to the various damages you are entitled to (medical, lost wages, and pain/suffering). Essentially, you will re-state everything the adjuster said in response to your questioning above. The very last sentence of this section should read, “If I have misunderstood any part of our conversation in any way, please correct me as soon as possible.”
Revised Demand Section
In this section you will first give the adjuster a lowered demand amount. Then you will explain your basis for doing so while simultaneously responding to any of the adjuster’s unfavorable rationale for their low counter-offer.