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
If you do a little searching around and reading up on information about auto claims adjusters you'll find conflicting opinions and information.
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
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.
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
Here are some basic rules you should follow when you find yourself on the receiving end of a car accident settlement:
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.
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.
- 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.
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.
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.
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.
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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