This is one of the biggest reasons not to negotiate with an insurance company on your own. Get a local attorney and let them get you what you are entitled to.
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Insurance companies tend to always low ball when it comes to claims resolution. This holds true for both property damage and bodily injury claims. You should do yourself a favor and consult with an attorney prior to taking any further action.
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You may want to discuss your situation with a civil attorney who handles these types of cases.
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