California E&S Insurance

Given that your total medical bills are $7,398 and the adjuster has offered $9,075, it's important to consider that the settlement should cover more than just your medical expenses; it should also account for the pain and suffering you've endured, including the impact on your daily life, such as difficulty lifting your child or sitting for long periods. Typically, insurance adjusters start with a lower initial offer, but since your injury lasted for about five months and involved multiple forms of treatment, you may want to consider countering the offer. A reasonable range for the pain and suffering portion could be between $10,000 and $15,000, depending on the severity and how much the injury affected your daily routine. When countering, it would be helpful to highlight the ongoing discomfort you faced and the time spent on physical therapy and follow-ups. If you feel the offer doesn't reflect the full extent of your pain and suffering, negotiating is definitely worth considering.

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