If you have just had a car accident and you are willing to file a car accident claim, then you are going to deal with the insurance company’s insurance adjuster.
The insurance adjuster’s role is to deal with the insurance company’s claimant, check the type of coverage you have, make investigations regarding the accident, and figure out what amount of settlement would be enough to cover up for your loss and damages.
Do you want to know what happens after the car insurance adjuster comes out? We have so much to reveal. An insurance company claims adjuster can be addressed using various names. These names can be loss adjuster, claims analyst, claims specialist, or even claims handler.
You will still find an insurance claims adjuster working there, even in the property and medical insurance field. If you want to know how to deal with an insurance claims adjuster, the first thing that you should have a better understanding of is how they do what they do. Checking if you have the right policy that would cover your damages is what they do.
They are also tasked with finding out the at-fault driver in an accident, making an assessment of the accident, and after you have filed for a car accident compensation claim, an insurance adjuster would move to do the following;
- Gather hospital records and police reports
- Interview passengers and witnesses regarding the accident
- Take photographs and also assess the extent of car damage.
- Consult with your medical adviser to find out your total medical cost
What Happens After The Car Insurance Adjuster Comes Out
It is also essential that you remind yourself that the insurance adjuster doesn’t work for you after filing your claim. Still, for the insurance company, so all the decisions he would take would be in the insurance company’s best interest and not you.
Insurance adjusters are all about helping the insurance company save more money than it pays out, and in some cases, insurance companies might stall, not pay after all, or spend too low. Your experience with an insurance adjuster lies with the insurance company.
It is in everybody’s best interest that a claim is settled or resolved, and it is better for everyone that these claims are settled effortlessly. Insurance adjusters are expected to pay a claim quickly to keep up with the numerous lawsuits they have waiting for them on their desks.
It is either you file for your request through the phone, or you end up doing it online, and you should not forget to ask for the following information;
- Insurance claims adjuster name
- Claim number
- His office contact information
- Expected time to settle the claim
Notifying the car insurance agent or the insurance company itself of your car accident, you are immediately assigned an insurance claims adjuster. They can handle more minor cases through the phone, but they might suggest a one-on-one physical meeting or interaction in a more complex issue.
An insurance claims adjuster will ask for your statement regarding the accident, and any information you dish out would help find out the at-fault driver in the accident.
If this case requires an insurance claims adjuster to sit and talk with you, he might consider going in person or sending an agent around you. Taking pictures and videos of the damage is what claims adjusters do.
They also obtain hospital records, accident reports, and police reports to verify related insurance costs. You might also be asked to send your car to a licensed repair shop, so getting an estimate would be possible.
An insurance adjuster would also review policies, pain and suffering, loss of income, and other expenses incurred so they can figure out what would be enough to settle your case. Then, he might send you a low initial offer, and if you are not okay with it, you can push for more negotiations alone or consult the help of an attorney, even though some of these cases might not require outside help.
When determining the value of any claim, there are factors that insurance claims adjusters have to consider, and this might range from financial loss to medical expenses to missed work. You would review every document to get an accurate value for your damages and injuries.
When dealing with an insurance claim adjuster, make sure you are honest with the information you give out.