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Insurance Adjusters How They Work And How They Think

Here comes the insurance adjuster. Is he overly friendly? If so, watch out! Itís OK to be hospitable. Be good-tempered and cordial - - but beware! Never forget heís paid to save his company as much money as he can. Thatís the name of his game.

DONíT SIGN ANYTHING: Donít overestimate the good will of the adjuster. Theyíre trained to investigate accident cases in such a way, if at all possible, to make their insured look good. Many unsuspecting individuals fall prey to the adjuster who seeks to protect his companyís pocketbook at the expense of a legitimate claimant.

If a company calls you and suggests they take your statement over the telephone, tell them you would prefer to meet with an adjuster. Donít agree to dictate a verbal statement into a tape recorder over the phone, and certainly not when youíre in the presence of an adjuster. Donít sign a statement when you meet with him. Whatever the circumstance may be, advise whomever youíre dealing with that youíll be more than willing to provide a signed statement, after your claim has been settled.

HOW TO PROCEED WITH THE ADJUSTER: Be pleasant, but firm. No matter how much in the wrong the person is that hit you, no matter how they acted at the scene of the accident, and no matter what they may have verbalized to or at you, donít take it out on the adjuster. Itís not the adjusterís fault if his insured is an idiot.

You must never underestimate the importance of the adjusterís impressions and conclusions, all of which go into your file. What he feels and reports about you have a great influence on the final disposition of your claim. If he likes you thatís money in the bank. On the other hand, if he gets upset with you he has the ability to twist the facts to make you look bad. Once thatís been done, it will be set in cement, go into your file and, without youíre ever being aware of it and haunt you to the last dollar of your settlement.

THE ADJUSTERS CLAIM LOAD: The job performance of insurance adjusters is judged not only on how little of the companyís money they spend in settlements, but also on how quickly they settle the claims assigned to them. Theyíre constantly under pressure to settle your claim; to get rid of it and move on. The adjuster will never tell you, but the weight of their caseload comes down on your side of the scale. Itís an advantage people are never aware of.

THE ADJUSTERS SETTLEMENT AUTHORITY: The Adjusterís authority to settle claims on their own is restricted on how much experience they have. For a less experienced adjuster, perhaps $5,000 to $10,000, but for a more experienced adjuster, their settlement authority may go as high as $20,000. When bigger bucks are involved they usually have to be given permission to settle the case from their immediate supervisor.

THE BOTTOM LINE: Donít let a sweet talking insurance adjuster manipulate you into feeling good about your relationship with him and the eventual outcome of your claim. In the vast majority of instances thatís not the way you should play the game because if provided with the opportunity, theyíll almost always take advantage of you. Thatís a fact of life. Know and understand that theyíre only doing their job. Their assignment is to save money for the company who signs their paychecks - - no matter what it takes.

If you have a legitimate claim stay cool and understand what youíre up against. Donít be impossible to deal with, but remain steady. Remember that the adjuster wants to look good to his company. He doesnít want your claim to end up in court, plus he wants to reduce his caseload. Be patient. At the end of the day, after the dust has settled, heíll be forced to do the right thing.

DISCLAIMER: The only purpose of this claim tip is to help people understand the motor vehicle accident claim process. Neither Dan Baldyga nor (name of magazine/newsletter and/or web site) make any guarantee of any kind whatsoever; NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL'S RESPONSIBILITY to obtain said services.

Dan Baldyga's latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at his web site http://www.autoaccidentclaims.com or visit your favoite bookstore.

Copyright (c) 2002 Daniel G. Baldyga. All rights reserved.

Dan Baldyga

Submitted by:

Dan Baldyga

For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and also a trial assistant. He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so they will not be taken advantage of. dbpaw@attbi.com


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