Why Work With an Insurance Adjuster

No matter where you live, what you drive or where you work, accidents are part of life. Some of them see themselves coming and know that there is little you can do to stop them, while others come out of nowhere and shatter the world you know and replace it with a completely new reality. In any scenario, you can easily feel overwhelmed and ill-equipped to face the rebuilding process. Fortunately, you don’t have to face these situations alone. These are situations for an insurance regulator.

The job of an insurance adjuster is to work with you and the insurance company to get an agreement that everyone can agree on. Depending on whether they represent the insurance company or you, the customer, they will work to get that entity the best possible result. As such, when you are the victim, it is best to have an independent regulator who has shoulders and is willing to fight for your needs.

The work of an insurance regulator

When dealing with an accident or natural disaster that requires an insurance adjuster, it is essential to understand their role in the scenario and their responsibilities.

Your job

  • Collect all the documents you have on hand that pertain to the situation.

  • Have before and after photos if possible.

  • Be civil and willing to listen and let the adapter speak.

  • Never make the first offer!

  • Document everything. Write down facts, numbers, times and whoever you speak; considering recording these elements as much as possible.

Assignment of the Insurance Adjuster

  • Inspect the damage. This is the first step regardless of the type of accident or disaster.

  • In the event of an accident, they will review all police reports and speak to all witnesses

  • Inform the insurance company of the details of the accident or disaster.

  • Find out where the responsibilities lie

  • Compile a damage report so that you can evaluate your financial losses.

  • Be the intermediary between the interested parties

  • Determine the appropriate amount of compensation

Keep in mind that in your first interaction with a regulator you will probably need to provide a registered statement and if the complaint is medical in nature, sign a medical release form. As a result, if you are not ready to make a statement immediately after the event, it is acceptable to ask for a short period of time before speaking.

When you do your part correctly and provide the regulator with the information they need, then you may be better suited to present and get what you need to move forward from the situation. Take your time, talk calmly and – possibly – your regulator can help you get to the other side.

by Janet Slagell

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