The aftermath of your accident causes you stress and worry. And you cannot get over the feeling that you will never get the money you need to pay off your medical bills.
The insurance adjuster continues to stall and put you off, giving you excuses as to why he or she cannot give you information. You are at your wit’s end. What is the adjuster’s job?
The insurance adjuster
An insurance adjuster or claims adjuster is someone who investigates the accident and negotiates the claim settlement. In some cases, the insurance company will outsource and use an independent contractor. This person will still have to get the insurance company’s claim supervisor’s approval to settle your case. Whether the adjuster is independent or in-house, the negotiation process is still the same.
The adjuster will do an in-depth investigation. The person will talk to the insured about the details of the accident and request a police report, if possible. The adjuster may speak with witnesses or others involved in the incident. Someone may take photos of your car and inspect it for any damage. Expect to show evidence of the medical costs you had to pay because of hospital stays or emergency treatment, to validate the amount you want in your settlement. Either give the documents yourself or sign a medical release of information.
The negotiation and settlement
The adjuster may ask you how much you want to settle the case, and you should have an amount in mind before you talk to anyone. However, the adjuster uses a formula to determine how much the insurance company may pay. In the end, the company will want to give you as little as possible.
Keep track of all communication between yourself and the adjuster. If the insurance company refuses to pay the amount you ask for, you may want to contact an attorney with personal injury experience to help you negotiate.