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WHAT INSURANCE ADJUSTERS GOALS ARE!
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Here comes the Insurance Adjuster I.M. GonnaGetcha. Is he overly friendly? If so, watch out! It’s OK to be hospitable. Be good-tempered and cordial - - but beware! Never forget GonnaGetcha is paid to save his company, Care Less Insurance Corporation, as much money as he can. That’s the name of his game. If he doesn't do it they'll dump him!
DON’T SIGN ANYTHING: Don’t overestimate the phony good will of any adjuster like GonnaGetcha. They’re trained to investigate accident cases in such a way, if at all possible, to make their insured, Fumbling Fred Fuddle, look good. Many unsuspecting individuals fall prey to adjuster's like GonnaGetcha who seek to protect their company’s pocketbook at the expense of a legitimate claimant.
If Care Less calls you and suggests they take your statement over the telephone, tell them you would prefer to meet with an adjuster. Don’t agree to dictate a verbal statement into a tape recorder over the phone, and certainly not when you’re in the presence of GonnaGetcha. Don’t sign a statement when you meet with him. Whatever the circumstance may be, tell GonnaGecha you’ll be more than willing to provide a signed statement, after your claim has been settled.
HOW TO PROCEED WITH THE ADJUSTER: Be pleasant, but firm. No matter how much in the wrong Fuddle was, no matter how he acted at the scene of the accident, and no matter what he may have verbalized to or at you, don’t take it out on GonnaGetcha. It’s his fault if Fuddle is an idiot.
You must never underestimate the importance of the adjuster’s impressions and conclusions, all of which go into your file. What he feels and reports about you have a great influence on the final disposition of your claim. If he likes you that’s money in the bank. On the other hand, if he gets upset with you he has the ability to twist the facts to make you look bad. Once that’s been done, it will be set in cement, go into your file and, without you’re ever being aware of it and haunt you to the last dollar of your settlement.
GONNAGETCHA'S CLAIM LOAD: The job performance of insurance adjusters is judged not only on how little of the company’s money they spend in settlements, but also on how quickly they settle the claims assigned to them. GonnaGetcha is constantly under pressure to settle your claim; to get rid of it and move on. He'll never tell you, but the weight of his caseload comes down on your side of the scale. It’s an advantage people are rarely if ever aware of.
THE ADJUSTERS SETTLEMENT AUTHORITY: The Adjuster’s authority to settle claims on their own is restricted on how much experience they have. For a less experienced adjuster, perhaps $5,000 to $10,000, but for a more experienced adjuster, their settlement authority may go as high as $20,000. When bigger bucks are involved they usually have to be given permission to settle the case from their immediate supervisor.
THE BOTTOM LINE: Don’t let a sweet talking insurance adjuster, like the GonnaGetcha's of this world, manipulate you into feeling good about your relationship with him and the eventual outcome of your claim. In the vast majority of instances that’s not the way you should play the game because, if provided with the opportunity, they’ll almost always take advantage of you. That’s a fact of life. Know and understand that they’re only doing their job. Their assignment is to save money for the company who signs their paychecks - - no matter what it takes. (Even if that means getting screwed, glued and tattooed) !
If you have a legitimate claim stay cool and understand what you’re up against. Don’t be impossible to deal with, but remain steady. Remember GonnaGetcha wants to look good to his company. But he doesn’t want your claim to end up in court, plus he wants to reduce his caseload. Be patient. At the end of the day, after the dust has settled, he’ll be forced to treat your loss fairly.
DISCLAIMER: The only purpose of this "how to" insurance claim article Medical Insights And Expenses is to help people understand the motor vehicle motor vehicle accident claim process. Neither Dan Baldyga nor Truckinfo.net make any guarantee of any kind whatsoever; NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired it is the INDIVIDUAL’S RESPONSIBILITY to obtain said services.
To learn more about how to handle and evaluate your motor vehicle accident claim, read Dan Baldyga’s latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss). It can be found on the internet at http://www.autoaccidentclaims.com or your favorite bookstore.
Copyright (c) 2002 by Daniel G. Baldyga. All Rights Reserved
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