Reaching Settlement in a Personal Injury Case | Nolo

Negotiating a personal injury settlement is a bit like haggling over something at an outdoor market where haggling is common. You and the buyer (the insurance adjuster) know approximately how much an item is worth (your damages). you know how much you’re willing to accept for it, and the adjuster knows how much the insurance company is willing to pay. but neither knows how much the other party is willing to pay or receive. so they go through a process of testing each other, a dance of bragging and bragging that goes like this, sometimes in just two or three phone calls:

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