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To negotiate a settlement with an insurance claims adjuster, communicate clearly about liability, explaining how the accident occurred and why the other party is at fault. Provide solid documentation to support your claims, including emergency room bills, urgent care records, and primary care documents. Include details of physical therapy or chiropractic treatment received. Additionally, present evidence of wage loss, such as off-work slips and pay stubs. Ensure to account for pain and suffering, as well as any disability or disfigurement.