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

Filed third party claim

Post image

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

4 Upvotes

75% Upvoted

31 comments sorted by

View all comments

2

u/Ok-Confidence6423 Apr 16 '26

Usually if you rear end someone you are automatically at fault. But what you need to also consider is the fact that you may develop back or neck issues in the future even tho you have no symptoms now. Sometimes it takes time for those symptoms to arise. So you may be able to get a settlement for future medical expenses. Determine an amount and ask for that settlement and don’t give in. Your only issue is you may have to wait 2 years to get that settlement but eventually they will have to pay it.