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Auto accident, insurance adjuster and pain and suffering compensation?

My friend got T-boned by a driver going full speed running a red light. The driver that ran the light was driving a company car. The company insurance is Hartford. The impact was pretty severe, but her injuries were luckily minor. Although she was in pain for a few weeks after the accident, she basically got some soft tissue strain on her right arm and towards her upper back and neck. Immediately after the accident, paramedics took her to E.R. on a backboard. The E.R. did not take any x-rays but prescribed her with pain pills and gave her a tetanus shot for the superficial glass cuts. However, she had to go through the urgent care with a total of 4 visits (follow ups) and also through 5 sessions of physical therapy. She also missed several days at work(about 4-5 days) after the accident. When the insurance adjuster finally had a quote and mention the pain and suffering compensation, she acknowledged the traumatic effect of the accident(as a result of the recklessness of the driver at fault) and the pain she went through and such...but it seemed very low ball. The settlement for pain and suffering alone was only $2,500. It was a real shock for my friend considering everything from the pain, inconvenience, the mental anguish, etc. She neither accepted it or denied yet. What are the best ways to come back at this adjuster in an effort to get her to raise the compensation for pain and suffering....whether it be a letter of demand and/or verbally countering the adjuster? My friend was expecting a minimum of $6500, to a max of $10,000 for pain and suffering only(aside from medical bills and wage loss)... thanks.

   








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My friend got T-boned by a driver going full speed running a red light. The driver that ran the light was driving a company car. The company insurance is Hartford. The impact was pretty severe, but her injuries were luckily minor. Although she was in pain for a few weeks after the accident, she basically got some soft tissue strain on her right arm and towards her upper back and neck. Immediately after the accident, paramedics took her to E.R. on a backboard. The E.R. did not take any x-rays but prescribed her with pain pills and gave her a tetanus shot for the superficial glass cuts. However, she had to go through the urgent care with a total of 4 visits (follow ups) and also through 5 sessions of physical therapy. She also missed several days at work(about 4-5 days) after the accident. When the insurance adjuster finally had a quote and mention the pain and suffering compensation, she acknowledged the traumatic effect of the accident(as a result of the recklessness of the driver at fault) and the pain she went through and such...but it seemed very low ball. The settlement for pain and suffering alone was only $2,500. It was a real shock for my friend considering everything from the pain, inconvenience, the mental anguish, etc. She neither accepted it or denied yet. What are the best ways to come back at this adjuster in an effort to get her to raise the compensation for pain and suffering....whether it be a letter of demand and/or verbally countering the adjuster? My friend was expecting a minimum of $6500, to a max of $10,000 for pain and suffering only(aside from medical bills and wage loss)... thanks.


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My friend got T-boned by a driver going full speed running a red light. The driver that ran the light was driving a company car. The company insurance is Hartford. The impact was pretty severe, but her injuries were luckily minor. Although she was in pain for a few weeks after the accident, she basically got some soft tissue strain on her right arm and towards her upper back and neck. Immediately after the accident, paramedics took her to E.R. on a backboard. The E.R. did not take any x-rays but prescribed her with pain pills and gave her a tetanus shot for the superficial glass cuts. However, she had to go through the urgent care with a total of 4 visits (follow ups) and also through 5 sessions of physical therapy. She also missed several days at work(about 4-5 days) after the accident. When the insurance adjuster finally had a quote and mention the pain and suffering compensation, she acknowledged the traumatic effect of the accident(as a result of the recklessness of the driver at fault) and the pain she went through and such...but it seemed very low ball. The settlement for pain and suffering alone was only $2,500. It was a real shock for my friend considering everything from the pain, inconvenience, the mental anguish, etc. She neither accepted it or denied yet. What are the best ways to come back at this adjuster in an effort to get her to raise the compensation for pain and suffering....whether it be a letter of demand and/or verbally countering the adjuster? My friend was expecting a minimum of $6500, to a max of $10,000 for pain and suffering only(aside from medical bills and wage loss)... thanks.