Auto Insurance Claims: Insurance Claim, emotional stress, time loss

Question
Hello,

I was rear-ended twice at a downhill angle by the same person.  The accident wasn't too bad and my vehicle had damages of about $1,500.  The other party admitted liability as her baby in the back dropped her bottle and caused her mom to take her eyes off the road.  I had my fiance and daughter as passengers in the car.  We weren't hurt too bad and only had to miss 2 days of work and put on restricted duty for 1 week.  My daughter on the other hand was scared and didn't want to get in a car for a few days.

The other party's adjuster has given me a hard time and is basically harassing me.  She doesn't want to pay for my time loss and is offering a settlement of $700.00 for all 3 of us.  She states that this is her final offer and if I don't take they are going to deny my claim.  All I want is my time loss and some compensation for our pain, suffering, and my daughter's emotional stress.  

Can they deny my claim after they paid for our car, rental, and have accepted liability?

Is what I'm asking for too much?  Our lost wages are pretty close to settlement offer.

The adjuster doesn't give me a chance to speak and yells at me.  When I speak to her I get really stressed out and have to end our conversations.  Is there anything I can do about the adjuster?

Thanks

Answer
Hi Daniel,

I'm sorry you're having to deal with this. Many claims adjusters are trained to limit claims at any cost. Many of that thake that to an extreem.

You need to try to get away from this claims adjuster. You should call the company to find out who her supervisor is. Then write a letter to the supervisor explaining what has been going on, as well as what you are asking for including a total dollar amount for all 3 of you. This should include your lost wages, any medical bills that fact that your child has a scar. In fact if you have not already done so you need to take severl photos of the scar and send one with your letter. You should demand that the supervisor only respond to you in writing with their position. If when you get the response you still feel they are not treating you fairly, you should file a law suit against the at-fault driver. Upon winning your case in court it will be the insurance company that will have to write the check.

I hope this helps
Richard Hixenbaugh