Almost all car insurance companies hire auto insurance claims adjusters to help them resolve accident issues quickly and at a cost that is as low as possible. This is another method that these companies use in saving a lot of operations and settlement costs and at the same time maximising their profits. Now you may be concerned about what is wrong with somebody doing their job, how it affects you as a car insurance policy holder and why you should be careful when dealing with these guys. You will find the answers shortly.
What Do Auto Insurance Claims Adjusters Do?
Claims adjusters usually try to get you to agree for a claim settlement as soon as possible, without you really thinking about it. Some of them often offer checks to claimants right there at the scene of accident. Sometimes, they try to make you to implicate yourself in your statements so that they can take advantage of it and make you compromise your case. There are also instances where they try to convince a claimant to use a particular repair shop especially one that will not really cost them so much. Another thing that is common among adjusters is that they offer a replacement value for a car that is less than its fair value.
How Should You Respond?
There are a number of things that you have to do in order to deal successfully with auto insurance adjusters. This will help you to get a fair value for your car when it is involved in an accident, and also ensure that your interests are protected as a car insurance policy holder at all times. Some of these things are simple but yet unknown by many people and these are the things that make all the difference when dealing with agents of auto insurance companies.
Some of the secrets of dealing with auto insurance claims adjusters include -:
Do Not Talk Too Much
This is one of the best secrets of shielding yourself from the techniques of car insurance claims adjusters. Most times when people come out of an accident, the shock and frenzy of the whole experience may make them to talk too much. In the process, they may end up saying things that claim adjusters will take and use against them. Hence, in order not to implicate yourself or say something that will jeopardise your claims, do not say anything to the people around especially if they are insurance claims adjusters or insurance agents of the other party involved. Ensure that everybody is safe and fine, give only basic information to the police and contact your insurance company as soon as possible.
Be Careful About Answering Questions from Adjusters
When you eventually make statements after an accident, many claims adjusters will want to talk to you, and ask you questions about the incident. Expect all kinds of questions, some of them may even ask for access to your medical records, driving history etc. They may ask you for your opinion about what you think caused the accident and even questions that may not be related to the accident. They do all of these just to find excuses or loop holes in your claims. Be careful how you answer them.
Do Not Be Hurried Into a Decision
A lot of times auto insurance claims adjusters make offers to the claimant on the spot. One should be very careful about this kind of offers. Some people think that the adjusters have their interest at heart that is why they are trying so hard to settle their claims quickly; but the opposite is the case. They know that the earlier they close any case the better it will be for them because most times several other issues that occur as a result of the accident may not be noticed quickly. For example, some injuries may not be noticed until a few days later. If the case is closed quickly, it will save the insurance company more money because they will not have to pay for such treatments. So always take your time, consult with your attorney and insurance agent before accepting claims offers made by adjusters and do not be in a hurry to accept first offers.
It is very important that every auto insurance policy holder should know what they are entitled to as well as their rights and privileges under their policy cover so as to know what to do and expect when the need arises.