Short answer: Nothing! If you are negotiating your personal injury case on your own with the at-fault party’s insurance adjuster, then you’ve probably dealt with a few things. First, insurance companies regularly switch adjusters on injured people, making it even more confusing to know who to call and how to get ahold of the adjuster. Second, some adjusters can try and convince injured people that their case is not worth that much. They tell an injured person that the company is only permitting the adjuster to offer a certain amount.
What they don’t tell the injured person is that they (the adjusters) are evaluated based on whether or not they were able to resolve the injury case below the true value of the case. Also, insurance adjusters tell injured people that they need certain things to “investigate the case” such as written statements and other documents as explained below.