Dealing with insurance adjusters can be a difficult thing for many people. They use methods that have been proven to help them settle claims for as little as possible. Their employer wants them to get the claim settled as quickly as they can which is not always in your best interest.
Communication is Key
Insurance companies are notorious for reassigning files or spreading them around to different adjusters. This is common with auto insurance adjusters as the person who looks at your car, is not always the same person that settles your claim. Sometimes public insurance adjusters are used to assess the damage and then another adjuster is used to settle. This is a great way for them to lose information between different parties. Keep notes from every conversation in a file and refer to them if necessary.
Do Not Be Manipulated
Many times, insurance adjusters will try to paint a picture with the money that they are trying to give you. For example, they offer you $5000 for pain and suffering after an auto accident. The adjuster says something like, "You've been through a lot. Why don't you take the $5000 and go on a nice cruise with your spouse?" When they can get you to mentally spend the money that they are offering, their job becomes much easier.
Do Not Be Inconvenienced
One of the oldest tricks in the book is to call you at inconvenient times. Insurance adjusters will try to call you at 7:00 a.m. or any other time that is not convenient for you. If you are in a hurry to go somewhere, you are more likely to take whatever they are offering. Do not fall into this trap. Just because you are late for work, does not mean that you should hurry up and take the deal. The longer you put off settling, the better your offer will become.
The holidays are a great time to be an insurance adjuster. They can close up the majority of their pending claims before and after Christmas. Many people need extra money for presents and other items and adjusters know this. Do not settle for less than you should just because you are desperate for the money. Adjusters will use everything they can to their advantage and this is a common ploy.
Get Past the First Offer
Most of the time, insurance adjusters will give you a lower offer than is fair on the first attempt. Many people are just happy to get whatever they can get and move on. Adjusters know this and are willing to put out a low offer on the first attempt. If you want the best offer, you need to decline the first offer and tell them you are not ready to settle. Dealing with insurance adjusters is something that no one looks forward to. Just remember to be patient and let the process unfold as it should. Do not settle prematurely and you will be fairly compensated.