After an accident, you will typically deal with an insurance adjuster to analyze your claim, and then negotiate compensation amount. An adjuster has four primary duties:
- Investigate accidents
- Inform the insurance company of liability
- determine an appropriate compensation
- negotiates and settles claims with accident victims.
Adjusters typically work in 1 of 3 fields:
They are freelance adjusters who are hired by insurance companies. Usually insurance companies who do not have a claims office in a smaller city, will work with independent adjusters.
These are freelance adjusters who are hired by the government rather than private insurance companies.
These adjusters are full-time employees of insurance companies.
How adjusters influence your claim
One common misperception about insurance companies is they will always have your best interest at heart. This is not true. When you file a claim, an adjustor whom you have never met, nor spoken with determines the amount you will receive on your claim. Remember, adjustors represent the insurance company. They will work to save the insurance company as much money as possible, giving you less compensation than you deserve. Adjusters don’t care about your relationship with the insurance company. They don’t care if you’ve paid your bills on time for 25 years. They also don’t care that in that 25 years you’ve never filed a claim.
Things to avoid
There are a few things to avoid when negotiating with an adjustor, which could drastically influence the outcome of your claim.
- You are not obligated to leave a recorded statement. Sometimes an adjustor will tell you to leave a recorded statement. Do not. Often these recorded statements will be used against you. If you tell an adjuster that you are doing well, they will try to give you a lower compensation because you admitted to not having any problems.
- Do not sign a medical release. Sometimes an adjuster will tell you to sign a medical release in order file a claim. However, by doing so, you give the adjustor the ability to obtain every possible medical record available that could be used against you.
- Find an attorney if possible. Sometimes adjusters will tell you that it isn’t worth it to get an attorney. Do not listen. In some states, a similar statement is against the law. Usually with an attorney’s help, you can get far more in your settlement than you expected.
If you or anyone you know is having a hard time dealing with an insurance adjuster, call us and we’ll take care of your case. We’ll make sure you receive the compensation you deserve and we will not charge you unless we win. That’s our promise.