You should expect a claims adjuster to come in and settle a filed claim if you have been involved in a car accident and what you should also expect is the fact that they would want the insurance company they are representing to pay less as compensation. This is beneficial to any insurer and this is why you must do what you have to do to protect your own interests. This article would be sharing with you car insurance adjuster secrets and believe me when i say these are top secrets that they would not want to share with you or anyone else.
You might be driving, obeying traffic lights, waiting for the lights to go green and suddenly someone slams you from the other side. You should try to stay calm once you have recovered from the shock and also make sure that you do not sign anything or utter a word. If a claims adjuster from the other driver’s insurance company contacts you, make sure you do not talk to him either. This is because insurance claims adjusters are very good at sniffing out fraud and there are reasons to also believe that they are trained to mess with your head.
Their tactics would be trying to get you into reaching a settlement very quick. They can also trick you to compromise the case you have against them and the funniest part is they would also suggest the repair shop where your vehicle repair would be carried out or done. Insurance companies do not make money just to give it away and don’t get this wrong, insurance claims adjusters are not crooks either. They just want their insurance company to reach a settlement with you very quick and also inexpensively as well.
Car Insurance Adjuster Secrets
The essence of this article is for you to get a fair share of whatever the insurance company decides to settle you with and one of best way to achieve this is by watching what you say. It is better you shut up instead of saying something wrong that might end up getting used against you. The best you can do at the scene of the accident is to ensure that everyone is okay then say nothing else. It is very possible that the words to come out of your mouth might not be so smart because you have just come out of an accident.
When speaking with a claims adjuster, try not to be too dramatic. One of the thing we would suggest you do is keeping a pain journal during this tough period and with this pain journal, you would be able to write down how every day goes and also how you feel every day. You should also remember to write down parts of the body that are affected. For example, your hands hurt and you find it difficult to pick up the baby or perform other duties that require the use of your hands. Spelling the physical and actual cost is very important as well.
Make sure before you write down any statement to give to an insurance adjuster, you have a conversation with your insurance company’s claims adjuster too. It would be ever better for all questions that you have to answer to a claims adjuster go through your legal representative if you have already hired a lawyer. You should also try to watch out for loaded and tricky questions that might cause you to admit being at fault for the accident. Another fact you should keep in mind is an insurance claims adjuster isn’t your friend.
You might observe that the claims adjuster is very friendly with you or the rest of the family but you should watch it because their loyalties lies with the insurance company they work for and not with you. They might just be looking for a way to get close to you so an inexpensive settlement can be reached quickly. Depending on the situation at hand or circumstance surrounding the accident, make sure you do your own homework and resist feeling rushed. If you get a repair estimate for your vehicle and you are not okay with it, please push back.
This car insurance adjuster secrets article is simply to guide you on how to relate with an insurance adjuster assigned to negotiate with you. First thing you should note is that insurance companies are businesses as well and the reason why they remain in business is because they always pay low to victims. This article is here to make sure you are not one of such victims today.