If you have ever been in a car accident then you would know that after having a car accident, the next thing that is likely to happen is having conversations with a representative of your insurance company.
These conversations most times would be held with an insurance adjuster and even though most people are familiar with an insurance adjuster, they still do not know what they do. This is why you have this article which reads; what do insurance adjusters look for.
Most people are not aware of their functions and there is also a large population of people who do not know the right thing to say to an insurance adjuster. However, before you g ahead to speak with your insurance company probably after having an accident, read this review first and find out how you can have reasonable and productive conversations with an insurance adjuster.
What Do Insurance Adjusters Do?
The people in charge of evaluating and determining the claims made by someone probably a customer is an insurance claims adjuster and they are also tasked with having conversations with the victim, eye witnesses and also the driver involved.
These conversations needs to be held so as to figure out the best possible ways to come to a resolve. Furthermore, claims adjusters are also tasked with consulting photos, accident reports, police reports and other necessary documents.
In addition, the duty of an insurance claims adjuster is also to assess the extent of damage done to a vehicle in order to figure out the amount of money that would be suitable to get rid of the losses that have been incurred.
They can carry out inspection either with the help of a repair shop or by themselves and after calculating the estimates, they communicate with the company to figure out a settlement offer.
What Do Insurance Adjusters Look For
These people are well trained to check for fraud in the sense that customers can try to lay a claim to an old damage that has been on their vehicle prior to the accident. Insurance fraud is one of the ways you can get to boost your insurance premiums so training to figure out fraud is really a good thing to do. However, when you are making your claim, make sure the claim adjuster adds all of your damages to the reports he is making.
No insurance company would appreciate paying for a damage that already exists on your vehicle and they would only want to pay for damages resulting from the accident that you used in making your claims.
Insurance adjusters also function by checking out for previous repairs and damages that must have occurred on your vehicle in the past and in addition, they look out for rust as well.
Rust helps in telling if the damage is recent or not. The goal of every insurance company is providing coverage and also paying for the repairs done on your vehicle and they do this by providing offers which are lesser than what you should get. This is their own way of making money as they cut down on settlement offers while receiving insurance premiums.
This is why you can find an insurance claims adjuster dismissing off some of the damages on your vehicle and tagging them as unrelated or pre-existing before the accident. The insurance companies and claims adjusters come together to offer necessary services to people who have been involved in an accident. Furthermore, keep it at the back of your mind that any insurance company is in this business to make money.
Your claims adjuster works for the insurance company and not for you so he is definitely going to be interested in the benefit of the company and not yours.