An insurance adjuster will be assigned to your case shortly after your personal injury claim has been filed with the insurance company. The insurance adjuster is your main point of contact with the insurance company, so it’s important to understand exactly what role they play in the claims process. Here’s an overview of what insurance adjusters do:
Investigate the Claim
Insurance adjusters are responsible for investigating claims to determine what happened, how it happened, and who caused it. To answer these questions, the adjuster may choose to interview the parties involved in the accident, review the police report, analyze photographs from the scene of the accident, and read the witness statements. During this phase of the investigation, the insurance adjuster is focused on determining who is liable for the accident.
If the company’s policyholder is liable, the insurance adjuster will need to move to the next phase of the investigation, which focuses on your injuries. During this phase, the insurance adjuster may request your medical records or ask you to submit to an independent medical examination. The adjuster’s goal in this phase is to determine the extent of your injuries and confirm that they were sustained in the accident in question.
The insurance adjuster’s goal is to pay you as little as possible. For this reason, the insurance adjuster will look for information that can be used to lower the value of your claim throughout the investigation.
Calculate the Value of the Claim
The insurance adjuster may conclude that you are entitled to compensation at the end of their investigation. If this is the case, the insurance adjuster is responsible for calculating the value of your claim. Insurance adjusters consider a number of factors when making this calculation, including:
- Verifiable expenses and losses
- Severity of your injuries
- How the injuries have impacted your life
- Policy limits
- Strength of your case
The insurance adjuster will then move to the final phase of the claim, which is negotiating a settlement.
Settle the Claim
Don’t be surprised if the insurance adjuster’s first offer is much lower than what you expected. Remember, it’s their job to try to settle your personal injury claim for as little as possible. It’s best to let an attorney handle this step in the process. Personal injury attorneys know how to aggressively negotiate with insurance companies to obtain the compensation you deserve.
If you have been injured, it’s in your best interest to let attorney Martin Gasparian handle the insurance company on your behalf. Mr. Gasparian is not afraid of going head-to-head with insurance adjusters to fight for the compensation his clients deserve. Schedule a free consultation regarding your case by calling 559-203-3333 or submitting your information at MaisonLaw.com.