How to Deal with Insurance Adjusters?
It's 5:48 PM on a Tuesday. Like every other Tuesday at 5:48 PM, you're in your car driving home from the office. Your day wasn't bad, but what you're really looking forward to is getting home to see your wife and kids. As you're listening to your favorite radio station's DJ say what the weather is going to be like tomorrow, you start braking as the light ahead of you turns from green to yellow. You come to a full stop, and while the DJ is saying tomorrow's high, you suddenly feel an impact coming from the back of your car. While it takes a second to realize what happened, you quickly realize that you were rear ended by a driver who didn't brake quickly enough.
Because the damage you incurred is probably going to be more serious than a minor scratch or ding, you are going to have to file an insurance claim to cover the cost of the repairs to your car. Because you are filing an insurance claim, you are going to have to deal with an insurance adjuster. While the thought of dealing with an insurance adjuster may seem like a major hassle or completely overwhelming, it doesn't have to be a completely unpleasant experience. The key to successfully dealing with an insurance adjuster and getting the money you deserve is to understand how an insurance adjuster works and what you need to do interact with them.
An insurance adjuster serves several main purposes. The first purpose of an insurance adjuster is to determine coverage. This purpose involves determining whether or not a policy covers a specific incident. Once an adjuster determines that a policy does cover an incident, their next job is to ensure all of the necessary work is provided at a reasonable cost. Of all of an insurance adjuster's responsibilities, this is the one that people find the most confusing. Finally, an insurance adjuster has to communicate an offer to you and explain why it's fair for you to take.
For many people, one of the most frustrating aspects of dealing with insurance adjusters is simply trying to communicate with them. Not only can it be difficult to get in touch with an insurance adjuster, but it can also seem like they are constantly clueless about your case. To avoid this common dilemma, it's best for you to get some basic information from the very beginning. When you first communicate with an insurance adjuster, be sure to get your claim number, accident date, the adjuster's name and phone number, and their supervisor's name and number. While you should try your best to deal with the adjuster, if the situation becomes impossible, you will be able to get in touch with their supervisor.
As you are dealing with an insurance adjuster, there are some basic rules you should follow. When it comes to your disposition towards the adjuster, a friendly but firm stance will yield the best results. You don't want to be a jerk, but you also want to avoid being pushed around. And while you may be working with a very friendly insurance adjuster, don't forget this is their job and you shouldn't ever overestimate their goodwill.
As with any profession, there are fair and good insurance adjusters. However, there are also insurance adjusters who uses various pressure tactics to get their job done. When you're dealing with an insurance adjuster, watch out for them spinning statements about money to make an offer sound more attractive than it actually is. You should also not allow them to push you around by calling at times that are completely inconvenient for you.
If you're involved in a serious incident with a large claim, you have the right to enlist the help of an attorney. While it's possible for you to handle your own case, if you still feel overwhelmed or concerned that you're not going to be able to deal with an insurance adjuster, you can get an attorney to fight for what you deserve.