I recently went through the whole process of dealing with insurance after a car accident (not my fault, thankfully), and man, it was way more complicated than I expected. I ended up using one of those online calculators to get a rough idea of what my injury claim might be worth. It seemed pretty straightforward at first, but once I started talking with the insurance adjuster, things got tricky real fast.
The adjuster's first offer was honestly pretty low compared to what the calculator said. I mean, I wasn't expecting a jackpot or anything, but it felt like they were really trying to lowball me. Eventually, after some back-and-forth, we settled on an amount that was closer to what I'd originally thought was fair.
I'm curious if anyone else has used these online calculators or similar tools when dealing with injury claims. Did you find them accurate at all, or did you have to push back a lot like I did?
"The adjuster's first offer was honestly pretty low compared to what the calculator said."
Yeah, those calculators can be helpful as a starting point, but they're usually pretty optimistic. Adjusters almost always start low—it's part of their negotiation strategy. Glad you pushed back and got closer to what felt fair.
I've noticed those calculators tend to assume best-case scenarios, so they're rarely spot-on. Adjusters usually factor in things like local averages and past settlements, which can skew lower. Did you find that providing detailed documentation or specific examples helped move the needle much, or was it mostly just persistence that paid off? Curious how much evidence actually matters in these negotiations...
