No. Despite what their advertisements may suggest, insurance firms’ first aim is not to assist individuals in need. They are in business to generate money, which involves dismissing and underestimating as many legitimate claims as possible. It is quite normal for the insurance adjuster to make an initial offer that is significantly lower than what you are entitled to. They hope you would be unaware of your rights. The truth is that insurance claims, especially significant ones, frequently involve bargaining. If negotiations fail, there is always the alternative of going to court.