The Art Of Schmoozing Insurance Adjusters: A Guide To Maximizing Your Claim

Dealing with insurance adjusters can be a tricky business. While some insurance adjusters work hard to review all the details and arrive at a fair conclusion, others may use unethical tactics to minimise compensation. It is important to remember that insurance adjusters are hired by insurance companies and are therefore not on your side. They are trained to process your claim, using specialised software to analyse damage, determine what's covered, and calculate your claim settlement. They will try to offer the lowest payout possible, so it is important to be prepared when dealing with them. Here are some tips to help you navigate the process:

- Understand the role and goals of an insurance adjuster. Know that their primary goal is to minimise compensation and settle claims quickly.

- Be aware of the tactics they may use to minimise settlement offers, such as avoiding your phone calls, delaying action, or requesting more details.

- Take your time to review a settlement offer. Don't be tempted to accept the first offer, and remember that you have the right to reject it and request a higher settlement.

- Finish your treatment before accepting a settlement. Insurance adjusters may try to convince you that additional treatment is unnecessary, but it's important to follow the advice of your doctor.

- Know what not to say to an insurance adjuster. Avoid admitting fault, losing your cool, or saying sorry. Don't give them any information that they can use against you.

- Consider hiring a personal injury attorney to help you navigate the process and negotiate with the insurance adjuster on your behalf.

Be aware of the adjuster's goals and tactics

When dealing with insurance adjusters, it is important to remember that they are not on your side. While they may appear friendly and professional, they are hired by insurance companies to protect their interests and limit their financial liability. Here are some of the goals and tactics of insurance adjusters that you should be aware of:

• Minimizing Compensation: The primary goal of an insurance adjuster is to minimize the amount of compensation paid out by the insurance company. They are incentivized to settle claims quickly and for as little money as possible. They may use various tactics to achieve this, such as delaying responses, requesting more information, or making lowball offers.
• Investigating Claims: Insurance adjusters are responsible for investigating and evaluating claims. They will review the details of the incident, assess any physical injuries or property damage, interview witnesses, analyze evidence, and calculate potential payments. They may try to find ways to delegitimize your claim or prove that you share liability.
• Negotiating Settlements: Insurance adjusters are skilled negotiators who will attempt to resolve claims for the lowest possible amount. They may employ intimidation tactics or advise you against hiring a lawyer to try to pressure you into accepting a lower settlement. It is important to remember that you have the right to reject their initial offer and negotiate for a fair settlement.
• Managing Caseload: Insurance adjusters typically handle a large number of cases at once, so they may only recall specific details about your claim by reviewing their notes. They are often overworked and under pressure to close cases quickly, which can be used to your advantage when negotiating a settlement.
• Authority Limits: Insurance adjusters have authority limits, which is the maximum amount of money they are authorized to offer on a claim. If your claim exceeds their authority, it may be transferred to another adjuster or they may need to seek additional approval from their manager. This can impact their willingness to increase their settlement offer.
• Recording Statements: Insurance adjusters may ask for recorded statements, which can be used to find inconsistencies or statements that suggest you are at fault. Be cautious about providing recorded statements, and consider consulting with a lawyer beforehand.
• Surveillance: Insurance adjusters may conduct surveillance or monitor your social media activity to gather evidence that could be used against your claim. Be cautious about what you post online or any activities that could be interpreted as contradicting your claimed injuries.

Remember that insurance adjusters are trained to protect the interests of the insurance company. By understanding their goals and tactics, you can better advocate for yourself and work towards obtaining a fair settlement.

Understand your rights and the claims process

Understanding your rights and the claims process is crucial when dealing with insurance adjusters. Here are some detailed instructions to guide you through this process:

Know the Role and Goals of an Insurance Adjuster

Insurance adjusters are responsible for evaluating your damage and loss after an accident. They work for insurance companies and their primary goal is to minimise the compensation paid out by the company. They will try to offer the lowest possible payout and settle claims quickly. It's important to remember that they are not on your side and will use various tactics to reduce your settlement.

Understand Your Rights as the Policyholder

You have the right to be treated with respect, receive timely responses, and have your claim handled promptly and transparently. You also have the right to privacy and to understand how your personal information will be used. Additionally, you have the right to be informed about the claims process, settlement, and any changes to your policy. Make sure to review your policy to understand your rights and coverage.

Provide Necessary Information

When making a claim, you must provide proof and relevant information for the insurance company to determine if your claim meets the terms of your policy. This includes details about the accident, your injuries, property damage, and any expenses incurred. Be honest and accurate in your statements, but avoid suggesting that you are to blame or admitting fault.

Understand the Claims Process

The claims process can vary depending on the type of insurance. Familiarise yourself with the steps involved, such as meeting the insurance adjuster, submitting the required documentation, and negotiating the settlement. Keep detailed records of your interactions with the adjuster and the insurance company. You may also seek help from a public adjuster or an attorney to ensure your rights are protected.

Know Your Options if Dissatisfied

If you are dissatisfied with the insurance adjuster's offer or the claim is denied, you have the right to appeal or dispute the decision. You can request a re-examination, provide additional evidence, or seek help from a public adjuster or attorney. Each state has laws regulating the insurance claim process, and you can file a complaint or take legal action if you believe your insurer is acting in bad faith.

Keep a record of all interactions

Keeping a record of all interactions with an insurance adjuster is a crucial step in the claims process. Here are some detailed tips to help you effectively document your interactions:

• Maintain a Comprehensive Log: Document each interaction with the adjuster, including phone calls, emails, and in-person meetings. Record the date, time, and a summary of the discussion or any important points that were raised. Keeping a chronological log will help you stay organised and easily refer back to specific conversations if needed.
• Acquire Supporting Documents: Whenever possible, obtain copies of reports, statements, or other relevant documents from the adjuster. This could include their notes, investigation findings, or correspondence related to your claim. Having these documents will help you verify the accuracy of your records and ensure you don't miss any important details.
• Use Recording Apps or Tools: Consider using a recording app or tool to record your conversations with the adjuster, especially during important discussions or negotiations. Be sure to inform the adjuster that you are recording the conversation. This will help ensure you have an accurate record of what was said and can protect you in case there are any disputes or discrepancies later on.
• Take Detailed Notes During Calls: If you are unable to record conversations, take detailed notes during phone calls with the adjuster. Note the date, time, and key points discussed. If the adjuster makes any commitments or promises, be sure to follow up with a confirming letter or email to create a paper trail.
• Store Communications Electronically: In addition to physical records, maintain electronic copies of your interactions whenever possible. Save emails, text messages, or other electronic communications in a secure folder. This will make it easier to search and retrieve specific information when needed.
• Document In-Person Interactions: If you meet with the adjuster in person, take notes during the conversation or immediately after. Note the date, time, location, and the main points discussed. If the adjuster makes any commitments or provides new information, be sure to follow up with an email or letter to confirm your understanding.
• Keep Records Organised: Create a dedicated folder or binder to store all your records related to the insurance claim. Organise the records chronologically or by category to make it easier to find specific information. You can also use digital tools or apps to scan and organise your records electronically.
• Seek Assistance: Consider seeking assistance from a friend, family member, or a public adjuster to help you document interactions and stay organised. They can take notes during conversations, help you gather documents, and provide a second set of eyes to ensure nothing is missed.

Remember, keeping detailed records of your interactions with the insurance adjuster is essential for protecting your rights and ensuring a fair outcome in the claims process. It will help you stay organised, identify any discrepancies, and provide evidence if needed.

Be calm, professional, and courteous

When dealing with insurance adjusters, it's important to remember that they do not advocate for you. They are hired and paid by insurance companies to calculate the lowest compensation possible. While they may appear friendly and professional, they are not on your side. Therefore, it is crucial to remain calm, professional, and courteous when interacting with them. Here are some tips to help you navigate these interactions effectively:

• Stay calm and professional: It's essential to maintain a calm and professional demeanour during your interactions with insurance adjusters. Avoid getting emotional, and take a deep breath if needed. Remember, this is a business transaction, and staying calm will help you get the maximum settlement.
• Be prepared: Organise your priorities and have a clear understanding of your policy's exclusions and coverage. Create an itemised list of your belongings or property damage to support your claim. The more organised and well-prepared you are, the more the adjuster will respect your claim.
• Communicate effectively: Promptly return calls and letters from the adjuster. Be willing to work with them and allow them to inspect your property or vehicle. However, avoid giving recorded statements, as these can be used against you. Instead, provide written responses and keep a log of all your interactions.
• Be courteous: Thank the adjuster for their time, even if the appraisal is unfavourable. Maintain a respectful and professional tone throughout your communications.
• Seek support: Consider hiring a public adjuster or an attorney to assist you in dealing with insurance adjusters. They can provide valuable expertise and help ensure you receive a fair settlement.
• Practice self-care: Take care of yourself by maintaining a healthy lifestyle, including proper sleep, nutrition, and exercise. This will help you stay calm and focused during stressful situations.

Seek legal advice if needed

While it is not always necessary to seek legal advice when dealing with insurance adjusters, there are certain situations where it may be beneficial to do so. Here are some reasons why you might want to consider seeking legal advice:

• Complex or Large Claims: If you have a complex or large insurance claim, an attorney can help you navigate the process and ensure you receive a fair settlement. They can review your insurance policy, explain legal jargon, and provide valuable expertise.
• Difficulty Dealing with the Adjuster: If you are having difficulty dealing with the insurance adjuster, such as frequent delays, avoidance of communication, or unethical behaviour, seeking legal advice can help protect your rights and improve your chances of a fair outcome.
• Denied or Rejected Claims: In cases where your insurance claim has been denied or rejected, an attorney can assist you in disputing the decision. They can guide you through the internal dispute resolution process and, if necessary, help you file a complaint or court case.
• Lack of Evidence or Disclosure: If your insurance claim has been rejected due to a lack of evidence or failure to disclose information, an attorney can advise you on gathering the necessary evidence and ensuring your claim meets the required standards.
• Policy Fine Print and Exclusions: Insurance policies often contain complex fine print and exclusion clauses that can be challenging to understand. An attorney can help you interpret these clauses and determine if your claim is valid according to the terms of your policy.
• Allegations of Dishonesty or Fraud: If you are accused of acting dishonestly or fraudulently by the insurance company, it is crucial to seek legal advice immediately. Fraud allegations can have serious legal implications, and an attorney can help protect your rights and guide you through the process.

Remember that insurance adjusters work for the insurance company and their goal is often to minimise compensation and settle claims quickly. Having legal representation can help balance the power dynamic and ensure your interests are protected. When choosing an attorney, consider their expertise in insurance claims and their success rate in similar cases.

Frequently asked questions