After an Accident: What is the Role of an Insurance Adjuster?
May 21, 2015
They come with different names—claims specialist, claims representative,
independent claims analyst—but their job is essentially the same.
Insurance adjusters have a considerable impact on your personal injury
insurance claim and understanding what they do can help you on your way
to obtaining the maximum compensation you are entitled to.
An insurance claims adjuster normally working for the insurance company
of the person you believe was
liable for your accident will typically investigate your claim and the accident.
It is important to understand that claims adjusters’ job performance
is judged on how little of the insurance company’s money is spent
on your settlement, along with how quickly the claim is settled. Adjusters
usually get between 50 and 100 new claims each month and will often have
a certain number of claims they have to close each month, thereby they
end up putting the pressure on you.
Adjusters have no special legal background or training and most do not
have the time or resources to intensely study your claim. This means as
long as you can recollect when and how the accident happened, especially
if you have documentation or photos related to the accident,
you have the negotiating advantage over the adjuster who has only a very small amount of time to devote to your particular case.
Adjusters have the authority to offer you your final settlement amount
over the phone, but this amount has certain limits depending on the amount
of experience your particular adjuster has. The adjuster will need to
check with tier supervisor or claims manager to offer more than they are
authorized to settle for.
If you have been in a car accident and need help dealing with an insurance
adjustor from the at-fault party or your own insurance company, you need
a qualified Atlanta personal injury attorney from Henningsen Injury Attorneys,
P.C. Speak with our firm today to
