PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Can an insurance adjuster close an accident claim without a settlement?
"My husband and I were in an accident and the at-fault driver's insurance paid for our vehicle and medical costs.
It's time for us to settle for pain and suffering and we countered their offer with three times the cost of our medical care. The adjuster thought this wasn't reasonable and threatened to close our case. Can they do that? "
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.
“
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies