How to Handle an Auto Claim With an Insurance Adjuster
Insurance companies employ adjusters who determine the amount to pay for claims that are made when an automobile accident occurs. When you call your agent or insurance company to make a claim an adjuster will be sent to your home or to the scene of an accident to assess the damage to your vehicle.
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Instructions
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Listen to what the adjuster has to say. The adjuster will explain what he is going to do before assessing the damage to your automobile.
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Have all of your facts straight to answer any questions that adjuster may have. Provide as many details as you can to prove your case to the adjuster.
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Do not rush to sign anything presented by the adjuster. Ask for a copy of the report to review all the facts.
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If you see any problems with the report, be pleasant but firm with the adjuster. He is there to do a job but he also knows you will be under stress after being involved in an accident.
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Understand how claim settlement authority works. Insurance adjusters are typically authorized to settle claims for specific dollar amounts. This means you may receive a check from the adjuster at the accident scene or at your home after the damage has been assessed.
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Tips & Warnings
Obtain a police report to have a record of the accident to provide the adjuster.
Don't offer any information beyond what is being asked by the insurance adjuster,. Do not give a statement over the phone if you prefer not to. You can always ask to meet with an adjuster in person.
