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To negotiate a settlement with an insurance claims adjuster, you must clearly communicate about liability, explaining how the accident occurred and why the other party is at fault. It’s essential to document and support your claims with evidence of damages. This includes sharing emergency room bills, urgent care documentation, primary care records, and any physical therapy or chiropractic treatment details. Additionally, provide proof of wage loss, including off-work slips and pay stubs. Remember to include claims for pain and suffering, as well as any disability or disfigurement. Effective communication and thorough documentation are key in this process.