A Close Look At The Role of The Insurance Adjuster

An insurance adjusts plays a large part in resolution of the claimant’s personal injury case. Yet no adjuster has a distinct advantage over the person that started the same case by filing a personal injury claim.

How does the claimant’s knowledge exceed that of the adjuster?

• The claimant witnessed the accident.
• The claimant has had to live with (at least temporarily) the injuries that resulted from that same accident.
The adjuster’s goal
• To spend as small amount of the insurance company’s money as can be made possible by the agreed-upon settlement.
• To settle the case as quickly as possible.

Challenges facing the adjuster

Adjusters do not have any legal or medical training. The claimant might know much more about his or her injury than the adjuster. Some adjusters claim to have some insight into the preventive measures that ought to be taken by a driver or passenger. That is especially true if the claimant has a pre-existing condition.

Adjusters have a limited amount of time in which to carry-out any form of investigation. They do not have time to get the specifics, regarding any possible need for added protections, if a claimant has a pre-existing condition. A good Accident Lawyer in Kelowna would know how to access information from a medical specialist.

That is why a claimant should look for an attorney that has previously worked with a medical specialist. In that way, the lawyer-client team can better fight the adjuster’s allegations.

The extent of the adjuster’s authority

The adjuster is authorized to come to an agreement with the claimant on the phone. Sometimes, adjusters need to speak with a supervisor, before giving a nod to a figure quoted by the claimant. When that happens, it is the adjuster’s responsibility to explain the nature of the situation.

By explaining the nature of the situation, adjusters can prepare the claimant to wait for an answer. Still, it is within the claimant’s rights to send a letter, and to ask for confirmation of a date when an answer should be expected. Naturally, the awaited answer should come on that date.

A similar procedure should be followed by claimants that have agreed over the phone to a figure that was quoted by an adjuster. Claimants’ display of persistence needs to be part of the negotiating process, even after acceptance of a given quote.

The claimant ought to write a letter and ask for written acknowledgement of the agreed-upon amount. At the same time, the contents of that letter should contain a demand. It should ask for the date when the promised settlement check will be sent to the claimant, or to the claimant’s lawyer. That demand helps to ensure delivery of the anticipated payment.