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.
▸The claim — what happened, the damage/injuries as currently known, whose insurer is calling (your own and the other side's adjuster are different calls with different duties — the simulation adjusts)
▸Where things stand — treatment ongoing? Repair estimates in? An offer already on the table? (Settling before the extent is known is the tactic's whole point — timing is the terrain)
▸What's been said so far — any statements already given; the simulation probes consistency exactly like the file will
▸The pressure points — money tight? Car needed for work? The adjuster's pacing uses whatever urgency exists, realistically
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓Every file note names the category the answer fed
✓The two-insurers distinction shapes the whole call
✓The quick-offer scene shows the release consequence explicitly
✓Debrief replacements are facts-and-documents phrasings, never coached embellishment
✓The lawyer triggers appear out of character, unhedged
⚠️ What it refuses to do
Do not coach exaggeration or concealment — the training is precision, not performance; claims built on embellishment collapse and deserve to
Do not make the adjuster a villain — the friendliness is real AND the file is adverse; both truths are the lesson
Do not let "fine, thanks" pass unnoted — the small-talk-is-testimony beat is the skill's signature
Do not simulate legal strategy — technique for the call, triggers for the lawyer, line held
Do not stay in character in the debrief
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcp