What does an Insurance Claims Adjuster do

Car insurance deals when you have an accident are always done with the insurance adjusters. The adjuster is the insurance company representative and always been intimidating when doing deals with them, the job of the adjuster is to settle the insurance claims as low as possible to benefits the insurance company where they work in.

When you get involved in a car accident and you are claiming compensation for the at-fault party insurance company, that is the time when you have to negotiate with the insurance adjuster. All the expenses and compensation to be incurred will be calculated by the insurance company after you file a claim, which involves damages sustained by your car and the amount of medical expense for your injury if any.

The resulted calculations will be negotiated to you by their insurance adjuster as quickly as possible since the insurance company assumes that you require the money immediately, this kind of strategy will force you to settle for the lower amount so that you can have the money as early as you need it.

To determine the amount of settlement the claim adjusters are the one that verifies the insurance claims. All the claims you made be it damage to property or personal injury. When claiming for property damage the adjuster will examine the extent of damage and will make a detailed investigation report to the insurance company. After the insurance adjuster submitted the report to your insurance company, the company will issue a settlement, this is the amount they agree to give you to cover the expenses for repair of your car.

However, you should not settle in a hurry because there might be other expenses that you might encounter or more injuries might notice that requires more medical attention that adds up to your expenses, so it is better to take your time in settling for insurance deals with the adjuster. When settling for the insurance claims ensure that all necessary documentations are available for presenting to the adjuster, be ready to answer all the questions of the adjuster based on facts, do not get intimidated. Have a copy of the report coming from the third party including certificates from the medical expert if any. Document in detail all the facts including notes from your doctor.

When dealing with the insurance company adjuster, do not sign anything and do not settle on the first offer, do not give details about your damages be property or personal injury, insurance adjuster will look for evidence of the previous damages and trace of repairs related to past accidents, even a trace of existing damages incurred prior to your accident just to lessen the cost of claims. Never give a recorded statement on the adjuster.

Chances are, the adjuster will not tell you the truth about the facts or even insurance law or even the coverage of your insurance claims so be very observant of what the adjuster will say. If you did not agree on what the insurance adjuster settlement offer, do not confront the adjuster but instead write a letter explaining why you did not agree on the settlement offer and provide him your own estimated claims amount.

If you have done your homework looking for information about car insurance well there are no reasons for the adjuster not to give in to the settlement you offer, if not then that is the time to tell the adjuster that you will seek legal assistance and settle the claims in the court battle, probably the adjuster will realize that you are serious in getting settlements. Thus the adjuster will rethink their offer to you and offer a new settlement if the amount is fair enough then agree to their offer.

Insurance adjuster takes so long because claims for the damages for physical and medical are more complex so it will take a bit longer for the claims to process. The time frame required especially for the physical damages will be dependent on how big the damage, usually it will take about three days after making your claim, for the insurance adjuster to discuss to you about your claims.

It is difficult to deal with insurance adjuster but when dealing with them you have to be firm and well prepared to defend your claims by that you can get a fair settlement.