INSURANCE ADJUSTER WARNINGS

An experienced insurance adjuster might try to make your claim seem unimportant. Without legal help from an injury attorney you may have no idea of the real value of your claim. An MVAA Panel Member can help you here.

 

We want to point out that not every adjuster is to be looked as a bad person. Their job is to save their company money and settle the case as soon as possible.

 

Adjusters have to do their job and you and the attorney you have on your side must be prepared to do yours. The insurance claim industry as a whole has a fair rating. However some adjusters and their methods can bring it down.

 

• The insurance adjuster may try to tell you that your claim is worth much less than it really is. Remember it is his or her job to save the insurance company money by settling your claim for as little as possible. Many adjusters are fair, and others will make you or your attorney work for every dollar, especially if they get frustrated. Most will negotiate if you are prepared on your end. What you don’t want to do anger them, be polite but firm and use an attorney if you want a maximum settlement.

 

• Keep in mind that an experienced adjuster might try to make your claim seem insignificant. Without legal help from an injury or accident attorney you may have no idea of the real value of your claim. I f an adjuster seems to treat your case as trivial pay no attention maybe it is to him/her but it is not to you. I f  you feel that your being blown off, tell them your not happy in the direction the meeting or conversation is going and that you or your legal advisor  will get back with them.
• Most adjusters will ask for proof of anything you claim as an expense. Be sure you keep receipts for prescriptions, household services like lawn-mowing or getting someone to cook or shop for you, car rentals, and so forth. Note the mileage between your doctor visits and home, plus any time you lose work, and the gross amount of wages you are loosing when you are getting treatment. Keep each of those receipts so you can document every expense. Copy the receipts and keep an accounting to give to the adjuster or your attorney.

 

 

An MVAA Panel Member will make sure you get the best treatment.

During a court case procedure which can take months and in some cases one year or longer, an attorney will conduct discovery in order to compile information from the accident scene or the opposition. During this time, the law firm you're using should make sure that you have the best medical treatment possible. You are going to need properly written medical recommendations or treatment documentation of your injuries and the effect on your life that the injury has caused. Always check out the reputation of any professionals that you get referred to by your attorney or your general medical doctor.

 

Many medical doctors refer any serious injury and treatment to a specialist in the local area. Rural areas are sometimes limited and medical specialist's may be several hours away. In some cases in another state requiring additional hardship and expense to get the best treatment. With today's ever-increasing road accidents, one has to be watchful for the deliberate drivers who cause an accident to happen to collect insurance money. These drivers cause rear end accidents where they will pull in front of an unsuspecting driver and slam on their brakes causing the car they are driving to be rear ended by the unsuspecting driver. Some deliberate accident drivers work in pairs with another who witnesses the accident by telling the police what they saw, "the car in the rear hit the car in front." Some have been known to work with attorneys and medical personnel to gain large insurance settlements. If you suspect that this has happened to you, let your insurance company know and also any investigating police or Highway Patrol officer.