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To negotiate a settlement with an insurance claims adjuster, you need to communicate about liability, provide documentation and proof of damages, including medical bills, records, and evidence of wage loss. Make sure to also include pain and suffering, disability, or disfigurement in your claim. It's essential to show why you're not at fault and why the other side is responsible for the accident. Be thorough in presenting your case and don't forget any relevant information when discussing the settlement.