Just be a little careful when dealing with a car insurance adjuster.
If you’re in need of a car insurance adjuster then there are a few
facts you should know before you meet with him/her. The first rule of
thumb is that if your car insurance adjuster is over friendly remember,
he is there to save money for the company he works with, not especially
for you.
Don’t ever sign anything without reading every detail and never
underestimate the good will of the car insurance adjuster. If the
adjuster wants to discuss anything on the phone, request that you would
rather meet with him/her in person until after your insurance claim is
settled.
You can be pleasant with the insurance adjuster but stay firm. No
matter what happened at the scene of the accident, it is not the car
insurance adjuster’s fault if the person that hit you was an idiot.
Don’t underestimate the importance of an adjuster’s impressions because
they all go into your file. The way you act toward him/her could have
an influence on your insurance claim later.
Even if, for example, your car hit a deer, insurance adjusters will
even be called for this too, to estimate the amount of damage to the
car. Again let the adjuster do his/her job and be friendly. When you
hit a deer it can cause the same amount of damage in some cases as
hitting a car, or even worse. Let the car insurance adjuster look at
the damage and make up his/her own mind regarding the extent of damage.
Again don’t sign any thing until your car insurance claim is settled.
An independent car insurance adjuster is also expected to settle
insurance claims quickly. This person may not owe a particular
allegiance to a specific insurance company, but they want to collect
the fee from the company. An insurance adjuster’s authority to settle a
claim is restricted, but the adjuster will do everything possible to
make sure you get treated fairly
The bottom line is don’t let a car insurance adjuster suck you into
thinking he’s your best friend in the world, only to be let down later.
This is the nature of job and no matter how friendly the adjuster is,
he/she is there to do a job. You have little to do with that except
provide them with information needed to assess the damages to your car.
