If you have been injured in an accident, you are probably wondering how the insurance company arrived at the number on that settlement offer. Insurance adjusters follow a fairly predictable process, weighing specific facts and figures to calculate what they believe your claim is worth. Understanding this process can help you spot a lowball offer, gather the right evidence, and make informed decisions about your recovery. This guide breaks down exactly what adjusters look at and how each factor influences the final number. Reviewing the Police Report and Accident Details The first thing an adjuster does is pull the official…