What is an insurance adjuster?
An insurance adjuster (sometimes called a claims adjuster) is a person who works for an insurance company and whose job is to decide how much money the insurance company will pay people when they are injured or when their property is damaged, lost, or stolen. (Source)
What does an insurance adjuster do?
An insurance adjuster's job is to try and determine how much an insurance company should compensate an individual for his/her personal injuries or property damages. An insurance adjuster's role is to help the insurance company pay the lowest amount possible for a property or injury claim. Adjusters may handle "property claims" involving damage to buildings & structures, or "liability claims" involving personal injuries of third-party property damage from liability situations, such as car wrecks or slip & falls. (Source)
Throughout the Claims Process Insurance Adjusters will typically:
-Verify if an insurance policy exists for the insured person.
-Investigate risk(s) of loss(es), or damages to property, including the loss of property and or bodily injury.
-After completing the above investigations, the adjuster will evaluate the covered injuries and/or damages.
-Negotiate a settlement for a claim(s) [insurance adjusters try to settle claims as quickly and inexpensively as possible] (Source)
An insurance adjuster will most likely contact you shortly after you have been involved in an accident. The insurance adjuster will generally ask you to make a statement about your accident and what happened. He or she may even ask if you would make a written or recorded statement.
It is best to avoid making statements to an insurance adjuster until you speak with your lawyer.
Dealing with injuries and insurance claims can be complex and stressful. If you have been injured and have questions call Wil today.
**The information on this blog is not intended as legal advice. You should always consult a lawyer if you have questions about your potential legal claim**
Attorney Wil Alexander wants to keep you up to date with new legal developments and other news. Please be advised these blog posts do not constitute legal advice and you should always consult a lawyer with your legal questions.