What Do Auto Insurance Claims Adjusters Do?

Auto insurance claims adjusters may have different titles, including claims handler, claims specialist, claims analyst, or loss adjuster in other parts of the world. Claims adjusters can also be found in the property and health insurance field. To learn how to deal with auto insurance claims adjusters after a car accident, it’s important to understand what they do.

what is an auto insurance claims adjuster?

Auto insurance claims adjusters who work for insurance companies are hired primarily to investigate claims. think of a detective who has to verify all aspects of a case to determine who is at fault and prevent cases of fraud. In addition to identifying the at-fault party, an auto insurance claims adjuster will check to see if your policy covers your losses and damages. After filing a car accident insurance claim, an auto insurance claims adjuster may do the following:

Reading: What does a car insurance adjuster do

  • assess car damage in person and take pictures

  • interview witnesses or passengers involved in the accident

  • collect police reports and hospital records

  • contact your medical provider to determine medical expensescontact your medical provider to determine medical expenses

    Who do auto insurance claims adjusters work for?

    It is important to remember that auto insurance claims adjusters work for insurance companies. This may seem like an obvious detail, but keep in mind that auto insurance claims adjusters are trying to save your employer money while determining the settlement of your claim. Some insurance companies may refuse to pay, delay, or offer a settlement that is too low. Ultimately, your experience with an auto insurance claims adjuster will depend on your insurance company.

    Because they work for the insurance company, auto insurance claims adjusters may also choose to pay a dissatisfied claimant after the claimant has fought a claim denial. insurance adjusters can consult with a manager or supervisor to pay the claim and avoid negative press from a disgruntled customer.

    Are Auto Insurance Claims Adjusters Your Enemy?

    It’s natural to be wary of auto insurance claims adjusters. after all, they are the ones who will determine how much money to pay you for your loss and damages after the accident. your close connection with the insurance company may make you think there will be a conflict of interest in settling your claim. Fortunately, auto insurance claim adjusters have no financial interest in or profit from the outcome of your insurance claim. in fact, it is in their best interest that you have a positive experience and have all of your medical expenses, lost wages, and damages covered.

    Most of the time, you will be assigned a friendly and empathetic auto insurance claims adjuster who has been trained to deal with stressful situations and panicked clients. An auto insurance claims adjuster can help you recover from a car accident with a fair settlement, but not before conducting a full and reasonable investigation to prevent any instances of fraud and double-checking every covered cost.

    how an auto insurance claims adjuster settles claims

    It’s in everyone’s best interest to settle a car accident claim as smoothly as possible. An auto insurance claims adjuster is tasked with settling claims relatively quickly to keep up with the workload that can range from 50 to 100 claims per month. You can start by filing your claim online or by phone. When calling an insurance company over the phone, be sure to ask for the following information:

    • name of your auto insurance claims adjuster

    • claim number

    • office contact information

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      expected response time to resolve the claim

      When you notify the auto insurance company or your auto insurance agent about your car accident, they may direct you to an auto insurance claims adjuster. they are the person you will primarily interact with. smaller claims can be handled over the phone, but more serious and complex cases will require face-to-face interaction with an auto insurance claims adjuster. Here is a summary of a typical car accident claim process:

      interview

      An auto insurance claims adjuster’s interview will begin by asking for your accident statement through a phone call or in-person interview. The information they obtain will help them determine who was at fault for the accident and whether it is covered by your policy, while also protecting the insurance company from fraud. if necessary, they will also interview witnesses, passengers, and the other driver involved.

      travel

      If the case requires face-to-face interaction, an auto insurance claims adjuster will come in person or send a nearby agent to inspect the damaged car and property. an adjuster will take photos and videos of the damage. if they are close enough, they can also interview people in person.

      examine logs

      Auto insurance claims adjusters will obtain police reports, accident reports, and hospital records to verify related insurance costs. They may also ask you to send your car to an authorized repair shop for a repair estimate and vehicle appraisal. it is crucial to have this paperwork ready and organized to expedite the resolution of your claim.

      revision policies

      Insurance adjusters will consider expenses incurred, lost income, and pain and suffering in evaluating your case and settling it. the adjuster will send you an initial offer. If you think the offer is too low, you can enter into negotiations with your insurance company on your own or with the help of a personal injury attorney, although most cases require no outside help.

      negotiate agreements

      Insurance adjusters will consider expenses incurred, lost income, and pain and suffering in evaluating your case and settling it. the adjuster will send you an initial offer. If you think the offer is too low, you can start negotiations with your insurance company on your own or with the help of a personal injury attorney, although most cases require no outside help.

      determining liquidation value

      Auto insurance claim adjusters must consider several factors when determining the value of a claim. From your medical expenses to your financial losses due to lost wages and lost work, your adjuster will review every document to get an accurate value for your injuries and damages. Assessing the value of pain and suffering is more subjective, but many insurers use a multiplier to estimate the extent of your pain and suffering. the multipliers are used to determine how much a jury would potentially award you if the case went to trial.

      for example, if you only visited the doctor once for your injuries, the auto insurance claims adjuster would multiply the amount of your damages by a factor of 1.5 or 2. if you racked up thousands of dollars in physical therapy and lodging costs in the hospital for an extended period of time, an adjuster may determine that you have suffered greatly and multiply the value of your special damages by 3 or more. The auto insurance claims adjuster may consider the following variable when determining your case:

      • Is the injury related to the car accident or made worse by the accident?

      • How soon did you seek medical attention after the accident?

      • Was your treatment necessary and covered?

      • age

      • previous medical history

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        car accident details

        how to deal with auto insurance claims adjusters

        When dealing with an auto insurance claims adjuster, you need to be honest about the specifics of your car accident. if they feel you are lying or hiding something, then they can further investigate your case and delay your settlement. You should contact your insurance company as soon as possible after the car accident. You will need the following information ready for your interview with your auto insurance claims adjuster:

        • policy number

        • date and time of the accident

        • accident location

        • a written statement describing the accident

        • other party’s name and insurance information

        • police report number and other relevant information

          During your interview with your auto insurance claims adjuster, you want to make sure you accurately represent your current status. even saying that you are doing well can be seen as a sign that you are recovered and can affect your liquidation value. an adjuster may also request to record the conversation. you can choose not to record your conversation in lieu of an informal account of your accident.

          problems with auto insurance claims adjusters

          On rare occasions, you may have a problem with the way your auto insurance claims adjuster is handling your claim. they may offer an unreasonably low offer or deny coverage altogether in some cases. If you are having significant problems during the resolution of your case, here are some ways you can resolve your issues.

          talk to an insurance adjuster’s supervisor

          If you are having trouble dealing with your auto insurance claims adjuster, you can request to speak with your direct supervisor. calmly and serenely explain your situation and ask the supervisor to review your case and mediate between you and a claims adjuster. An insurance adjuster’s supervisor may support the adjuster, but your claim will usually be settled if your policy covers your losses and damages.

          write to state insurance department

          If contacting your claims adjuster has become increasingly difficult and settlement offers are slow in coming, you may want to contact or write your state insurance department. include all necessary documentation and a written summary of your complaint to ensure you have a strong case.

          hire a lawyer

          Speaking with an experienced car accident attorney can guide you in the right direction when handling your claim. an attorney can tell you if your settlement offer is too low or the right amount. They can also negotiate on your behalf and help you get a fair settlement for complex cases.

          Dealing with auto insurance claims adjusters to close your claim can be stressful and confusing. Fortunately, Acceptance Insurance has knowledgeable auto insurance claims adjusters on staff. Contact an Accept Insurance auto insurance claims adjuster to review your insurance options, get a free insurance quote, or cover your car accident losses and damages. we’re here to help you get up and running in no time.

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