5 Tips for Dealing with an Auto Insurance Adjuster

June 25, 2013

If you experience a car accident, an auto insurance adjuster is going to play an important role in figuring out your claim. Insurance adjusters, also known as claims adjusters, may work independently for several insurance companies, or can provide their labor solely to one. Claims examiners, who make sure that the proper guidelines of a claim have been followed, often help them. It's in an insurance adjuster's best interest that you settle for less than you are entitled to, so it's important to be prepared and know how to deal with them. Here are 5 simple tips to help you.

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Tell the Truth to the Adjuster
Withholding information or lying is not going to get you anywhere. Adjusters come up with figures based on policies and facts. They will likely know when you are bending the truth, which won't make them want to go out of their way to help you.

Understand Your Insurance Policy
While they can answer your questions regarding your policy, it's not smart to rely on a claims adjuster to iron out all of the details of your policy for you. Review and understand your insurance policy soon after you get in an accident.

Don't Let the Adjuster Control You
They are out to protect their respective company's pocketbook, and can be thought of as salespeople in a way. Be firm with them, and don't let an adjuster talk you into anything without thinking about it first. Never accept the first payout offer from a car insurance adjuster. If you have been physically injured in an incident, you may not be totally aware of the extent of your injuries, even if you had hospital treatment. If you accept a quick payout, you may end up paying for further treatment down the line, which is not covered. Argue your case and make sure you get the right treatment and an offer that covers your car and your bills.

Be Nice
Remember, they have access to many files and information that you might not, and it won't help anything to anger an adjuster.

Be Confidant and Calm
If you have a legitimate case and the evidence is on your side, you have already won a large portion of the battle. Take your time, work with the adjuster and if you still feel you are getting shortchanged, you can always hire an attorney.