Filing a car accident claim with an insurance company in order to receive compensation for personal injuries or property damage may sound like a headache but is actually not complicated when it comes to negotiating with the insurance adjuster as long as you are prepared. Unfortunately, insurance companies tend to begin the settlement with a low-ball figure so this is where the negotiating begins. You do not have to accept their first offer if you know your damages are worth more than the offer. You can ask the adjuster to explain in a letter exactly why they came up with this offer and respond with a counter offer with an amount you believe you claim is worth. Be sure to know what your insurance policy covers and get an estimate on damages to your vehicle. If negotiating with the adjuster is going around in circles with no end in sight, it would be wise to hire an attorney so they may handle the rest of the negotiating for you.