The way to work with the adjuster is through open communication.
If you have a question -- ask it.
Here's how the process works: The adjuster does an investigation to determine liability. If they determine that their policyholder is responsible for your injuries then they can talk money.
The adjuster will have you sign a medical authorization. This form allows the insurance company to get copies of your medical bills and records. The adjuster mails the request to all the providers that treated you for the accident. It could easily take 6-8 weeks (or more) for them to get the bills and records from the providers.
Once they get the medical bills/records they evaluate them. If you missed work, you can also have your company write up a statement saying how much you make and what you missed and give that to them. They evaluate all the information and make an offer. The adjuster will have room to move from the opening offer but it won't be much. They are not going to offer 5,000 and then settle at 15,000. But they will have some room.
You can accept the offer or you can counter offer. By talking with the adjuster you eventually get it worked out and agree on a figure. The adjuster will have you (and your spouse if married) sign a final release that ends the claim once and for all. Then they send you the $. If there is a medical lien, they will have to make sure that is paid from the settlement proceeds.
The settlement will consider medical bills, lost wages and pain and suffering.
Now, a lot of people will tell you to get a lawyer. Here's some insight about that.
Adjusters are not afraid of lawyers. We work with them all the time. We have probably worked with what ever lawyer you hire before and will work with him again.
Now, your injury is worth what it's worth regardless if you have a lawyer or not. The offer is based on the injury itself. It's your decision to hire a lawyer and your responsibility to pay him. The insurance company does not consider the lawyers fees when making an offer-- that's not our problem.
A standard lawyer's fee is 33% of the settlement. So if you want to give a lawyer 1/3 of your money - it's your choice.
But most likely you will end up with less money in your pocket because now the pie is being split 3 ways (you, doctors, lawyer) instead of just two (you, doctors).
I always suggest trying to work it out with the adjuster first. Then if you decide you want to hire a lawyer b/c you just can't get things resolved do it. I'm going to pay the same on the claim either way. I'd rather the money go to you (who probably needs it) rather than some plaintiff attorney. But the plaintiff attorney does need to find a way to pay for his big house and fancy car...so if you want to share your money with him - go ahead.
Again.. keeping the lines of communication open with the adjuster is how to get this resolved.