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To negotiate a settlement with an insurance claims adjuster, you need to effectively communicate about liability, outlining how the accident occurred and demonstrating that the other party is at fault. It's important to provide documentation to support your claims, including emergency room and urgent care bills, primary care records, and evidence of any physical therapy or chiropractic treatments. Additionally, you should compile evidence of wage loss, such as off-work slips and pay stubs. Don't forget to include considerations for pain, suffering, disability, and any disfigurement. This comprehensive approach will help strengthen your case for a fair settlement.