What you should not say to an insurance adjuster
Don’t offer sympathy for loss
Insurance adjusters are often in the middle of a very traumatic event, dealing with the grief and stress that results. Insurers see these kinds of interactions as stressful for adjusters too.
Insurance adjusters are often in the middle of a very traumatic event, dealing with the grief and stress that results. Insurers see these kinds of interactions as stressful for adjusters too. Don’t try to explain how an accident happened
During an insurance claim, it is necessary for the adjuster to focus on the specific facts of the case. Get caught in the middle of explaining a more general scenario and the adjuster is likely to lose interest.
During an insurance claim, it is necessary for the adjuster to focus on the specific facts of the case.
The things you should not do when talking to a claims adjuster
Be careful with your words. Say no. Don’t explain, try to justify or excuse something.
Don’t offer up any details, especially financial information.
Don’t volunteer for a deposition, because that’s an opportunity to bring things back into the open.
Do not lie outright or put forth any half-truths, because that may violate the rules of evidence.
Don’t volunteer an excuse that is not true.
Stay professional and uphold your own reputation and integrity, because if a claim is denied, the insurance company will take a dim view of you being a jerk to a claims adjuster.
What you should do when talking to a claims adjuster
Ask the claims adjuster if you can get a list of questions to ask the other party (e.g. driver, dealership, maintenance facility, etc.
What is the difference between liability and compensation?
By law you must pay all compensation from your own pocket before they can claim from the other party.
What is the difference between bodily injury and property damage?
The payees for bodily injury claim are generally limited to medical bills, physical and emotional pain, loss of wages and services, and other possible damages.
Where is the best place to go for information on insurance?
In the state you reside, this can be your state insurance department, local insurance agent, or online.
Take some time to read through our insurance tips. When you have your own insurance policies in place, you will be sure to save money. This can mean the difference between surviving a disaster, and going bankrupt.
MoneyTips is happy to help you get free insurance quotes from top insurance companies.
Do not be intimidated by claims adjusters who seem to know everything there is to know about the insurance system. The insurance adjuster is here to assist you with your claim, so when you meet him, you need to be friendly and have a positive attitude. Most of all, you must focus on explaining your case and emphasizing the extent of the damage you have sustained.
Be prepared to discuss everything from the actual damage to your car to the age of your vehicle, the cost of repairs and the warranty of your vehicle. These are all things that the adjuster will want to know, so prepare for that conversation ahead of time.
The final thing to remember is that there is a right and a wrong way to answer the adjuster’s questions.