Ron Miller over at the Trial Lawyer Resource Center posted a good article on negotiating settlements with insurance adjusters recently called Listening During Settlement Negotiations

Miller's helpful tips include nuggets such as:

The Adjuster Is Not Your High School Girlfriend: If negotiations end badly, agree to disagree and file suit. Do not get mad at the claims adjuster. You can remind the adjuster that you have facts about the case (the quality of the client or whatever the facts may be) that reviewing the medical records could not possibly give the adjuster. If this is the problem, it is obviously not the adjuster's fault that the medical records don't fully give a lens to the value of the case. Discovery can resolve this and, if it does not, this is why we have juries. Don't take it personally.

Check it out.