“The adjuster cannot legally close your car insurance
claim without some type of agreement. This means you’ll either need to negotiate a settlement or file a lawsuit against the other driver.
If the adjuster isn’t willing to accept your counteroffer, you’ll need to prove why this is a reasonable number. This can include proof of any type of care you received or will need to receive in the future due to the accident.
Depending on the type of medical care you’re still receiving, the insurance company may be valuing that care at a lower amount. This often is the case for massage therapy, chiropractic treatment, or acupuncture.
If you provide the adjuster with proof to justify your counteroffer and they still reject it, you’ll need to decide what you want to do next. It may be worth consulting a lawyer to receive a second opinion on the case.