Car insurance adjusters are responsible for determining the value of a claim and deciding how much money the insurance company will pay out to the policyholder. Adjusters have a lot of power in the claims process and can sometimes use that power to their advantage. In this article, we’ll explore some of the secrets that car insurance adjusters don’t want you to know.
They May Try to Settle Quickly
One of the tactics that car insurance adjusters may use is to try and settle quickly. They may offer a low settlement amount in the hopes that the policyholder will accept it without negotiating. It’s important to remember that you don’t have to accept the first settlement offer. You’re entitled to negotiate and ask for a higher amount.
They May Use Tricks to Lower the Value of Your Claim
Another secret that car insurance adjusters may have is that they may use tricks to lower the value of your claim. For example, they may argue that the damage wasn’t as bad as you claim, or that it was pre-existing damage. They may also argue that certain parts of the claim aren’t covered by your policy.
They May Monitor Your Social Media
Another tactic that car insurance adjusters may use is to monitor your social media accounts. They may look for evidence that contradicts your claim, such as pictures or posts that show you engaging in activities that you claimed you couldn’t do because of your injuries. It’s important to be careful about what you post on social media while your claim is being processed.
They May Try to Get You to Admit Fault
Car insurance adjusters may also try to get you to admit fault for the accident. They may ask you leading questions or try to get you to say something that could be used against you later on. It’s important to remember that you don’t have to admit fault, and you’re entitled to speak to a lawyer before answering any questions.
They May Use Computer Programs to Determine Value
Car insurance adjusters may use computer programs to determine the value of your claim. These programs take into account factors such as the age and condition of your car, the severity of the damage, and the cost of repairs. However, these programs may not take into account other factors that could increase the value of your claim, such as emotional distress or lost wages.
They May Use Medical Experts to Dispute Your Injuries
Car insurance adjusters may also use medical experts to dispute your injuries. These experts may argue that your injuries aren’t as severe as you claim, or that they were pre-existing conditions. It’s important to get a second opinion from your own doctor and to provide as much documentation as possible to support your claim.
They May Try to Delay the Claims Process
Another tactic that car insurance adjusters may use is to delay the claims process. They may drag their feet when it comes to processing paperwork or scheduling appointments. This can be frustrating for policyholders who are waiting for a settlement. If your adjuster is delaying the claims process, it may be time to speak to a supervisor.
They May Use Pressure Tactics
Finally, car insurance adjusters may use pressure tactics to get you to accept a settlement or agree to certain terms. They may make it seem like the settlement offer is the best you’re going to get, or that you’re running out of time to file your claim. It’s important to stay calm and not let them pressure you into making a decision that you’re not comfortable with.
Conclusion
Dealing with a car insurance adjuster can be a frustrating and stressful experience. However, by understanding some of their tactics and secrets, you can be better prepared to negotiate and get the settlement that you deserve. Remember to document everything, speak to a lawyer if necessary, and don’t be afraid to stand up for yourself.
