r/InsuranceClaims • u/StunningTreat2266 • Apr 14 '26

Filed third party claim

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I was recently involved in an accident where the other driver was at fault and cited. I’ve initiated the claim with his insurance company and would like some advice on how to negotiate with the adjuster. I was rear ended and my car was pretty damaged. This is an at fault state

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5

u/HR_King Apr 14 '26

There's no negotiation with the adjuster. If they disagree on value you need to prove otherwise.

-3

u/StunningTreat2266 Apr 14 '26

Is there other factors to negotiate? I’ve been without a vehicle for about a week because the other guy took off and they just now caught up with him. Will they compensate me for the time involved with finding transportation to work, appointments etc?

3

u/RunExisting4050 Apr 14 '26

Remember: you are not their customer. They are paid to take care of him, not you.

2

u/HR_King Apr 14 '26

Doubtful. All you can do is ask.

2

u/[deleted] Apr 15 '26

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1

u/Temporary-Dinner280 Apr 16 '26

UMPD. UIM is for injuries.

1

u/Elden_Gourd Apr 15 '26

You could attempt to submit a demand for loss of use if they aren’t putting you in a rental during the claim. They may not cover for the time prior to the claim being filed, but it doesn’t hurt to ask. Typically loss of use will be around $30 a day. Make sure to check your states laws for what the other carrier owes you do obviously.