Putting together a strong demand package is critical to the success of the claim. More times than not, insurance adjusters offer a very small sum of money and play “hardball” during negotiations, when a case is not well documented. A case supported by good investigative evidence, strong medical reports, and other relevant expert opinions will convince the claim adjuster of the strength of your case. At that point, the insurance company usually pays the fair value of the claim, to avoid the costs of litigation and a potentially very expensive bad faith claim.