The best way to negotiate an insurance settlement is to work with a lawyer. Insurance companies have lawyers on their side, negotiating on their behalf. You deserve the same support. An attorney can help you assess offers you are provided, reject early low-ball offers, and emphasize the emotional aspects of your claim. Attorneys know the value of injuries, both physical and emotional, and they can help you determine when you are being treated fairly and when the insurance company is trying to take advantage of you.