What is the goal of negotiation in insurance claims?

The goal of negotiation in insurance claims is to arrive at a mutually acceptable resolution. This means that both the insurer and the insured work collaboratively to find a settlement that is fair and acceptable to both parties involved. Effective negotiation emphasizes communication, understanding of each party's needs and interests, and the pursuit of a solution that addresses those interests.

Negotiation is essential in the claims process as it can help avoid lengthy and costly disputes, foster good relationships between insurers and clients, and promote trust. When both parties come together to negotiate, they have the opportunity to clarify expectations, discuss the specifics of the claim, and find common ground that ultimately leads to a resolution that satisfies everyone involved.

In contrast, aiming to impose a settlement would not foster a collaborative atmosphere, and increasing costs for the insurance company runs contrary to the principles of insurance operations where efficiency and cost management are key. Additionally, while validating claims can be an important aspect of processing claims, it is not the primary goal of negotiation; rather, it is part of gathering the necessary information before entering the negotiation phase.