As mentioned in our Tips for Negotiating Settlement of an Injury Claim, the adjuster might make a settlement offer that is unreasonably low, maybe as a negotiating tactic to see if you understand the value of your claim. Whatever the reason for the adjuster's low-ball offer, do not immediately lower the amount you asked for when you sent your demand letter. Instead, ask the adjuster for reasons why the offer is so low. Then write a brief letter responding to each of the factors the adjuster has mentioned. A sample letter is shown below.
This sample letter is an excerpt from How to Win Your Personal Injury Claim by Attorney Joseph Matthews (Nolo). Get the book for in-depth information on handling an insurance claim, including a guide to negotiations and strategies for dealing with an insurance company that refuses to make a good offer.