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the-insurance-adjuster

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Simulate the adjuster's settlement call after your accident or loss — the recorded-statement asks, the quick-settlement anchor, the friendly minimization — run against your actual claim, with a debrief on every answer that shrank it. Use when asked the adjuster wants a recorded statement, practice the settlement call, is this settlement offer low, or what will the insurance company try. Produces the call transcript with the adjuster's file notes, the offer trajectory, and a debrief separating fair process from pressure tactics — plus the bright lines that protect a claim.

plugins/pm-simulators/skills/the-insurance-adjuster/SKILL.md

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Nov 9, 2026

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Nov 9, 2026
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# The Insurance Adjuster Skill

The adjuster on the phone is professionally friendly and professionally adverse — a claims handler whose file notes score everything you say against payout-reducing categories: pre-existing, minimizing language, gaps in treatment, comparative fault. This skill plays that call against your actual claim — the recorded-statement request, the "how are you feeling today?" that becomes "claimant reports feeling fine," the fast low anchor — and debriefs which answers helped the file and which quietly shrank it. It trains the call; it is not legal advice, and one of its jobs is naming when the situation has outgrown a phone call and needs a lawyer.

## What This Skill Produces

- **The call transcript** — 10–14 exchanges, with the adjuster's *file note* after each of your answers
- **The offer trajectory** — the anchor, what moved it, what the file notes say the authority range was
- **The debrief** — answers sorted helped/neutral/hurt, each hurt one with its safe replacement
- **The bright lines** — the standing rules for every real call, plus the get-a-lawyer triggers

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