Auto Insurance Claims Adjuster

auto insurance claims adjuster

Dealing with an auto insurance claims adjuster skillfully will make a difference on the amount of compensation you receive for your car accident claims.

If you do a little searching around and reading up on information about auto claims adjusters you'll find conflicting opinions and information.

Most insurance adjusters who are currently employed in that position will tell you that their job is to provide you fair compensation and that they give you an accurate offer based on their assessment.


They'll also tell you that they don't have much "wiggle room" when it comes to their payout for your car accident claims. Should we believe them?

Not according to some sources! There are plenty of testimonies from "former" claims adjusters who appear to spill the beans on the truth behind how a car accident injury claim or car insurance settlement is actually evaluated and paid out.

They offer tips and suggestions on how YOU can become a good negotiator when you're up against an auto insurance claims adjuster who seems to be determined to low-ball your insurance settlement.

Now, don't get me wrong. I don't think you should try to scam the insurance company or get more than you really deserve. But I sure don't think you should get less either!

Here are some basic rules you should follow when you find yourself on the receiving end of a car accident settlement:

  • First of all, if by chance an adjuster shows up at the scene of the accident or shortly thereafter (it's been known to happen), don't accept any settlement on the spot. You'll be too shook up, regardless of whether you think you are, to make an informed decision. You may also have soft tissue damage that doesn't show up immediately.

  • Don't blab more than necessary. By that I mean, don't make statements, jokes, or any comments at all that could indicate that you feel partially responsible for the accident. This can be used against you when it comes time to settle your claim. This goes for immediately at the accident scene, or any time afterward when speaking to or corresponding with insurance agents or adjusters.

auto insurance claims adjuster
  • Don't accept the first offer. Almost every auto insurance claims adjuster is going to offer you less than what you can actually get for your settlement. There may be some exceptions to this rule, but they'd be few and far between. Think about it. They work for the insurance company and insurance companies are in business to make money, not be overly generous to their clients or claimants.

    Some former adjusters have admitted that they get bonuses when they save the insurance company money. They also disclose that they have a margin to work with when negotiating a settlement.

  • Do your own research. Look for comparable vehicles to yours and keep detailed notes to present your own case for the value of your loss. Don't just accept what they tell you. Know if what they are saying is legit.

  • No need to be nasty, but be firm and confident. Don't cave to intimidation or fear tactics. I suspect that most auto insurance claims adjusters are perfectly nice people, but realize that are some who will pressure you to a rush settlement that may not be completely in your best interest. Be patient and persistent.

  • If you have trouble negotiating with your assigned auto insurance adjuster, ask to speak to their supervisor, or even the claims manager if necessary to get satisfactory results.

    Keep in mind that adjusters want to settle their claims. They don't want hassles any more than you do. Be honest and reasonable, but not a pushover.

  • If worse comes to worse and you just don't believe you are getting a fair offer no matter how much negotiating you attempt, consider taking your claim to court. You can go to small claims court (for smaller claims) or higher a lawyer and let them take over the whole thing for you.

I hope these tips will give you a little knowledge and confidence if you ever have to deal with an auto insurance claims adjuster. I also sincerely hope that if you have a car accident injury claim that you not only get a fair compensation settlement, but that you also fully recover physically and emotionally.

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