When pursuing a personal injury claim, one of the key players involved is the insurance adjuster. Insurance adjusters play a significant role in determining the outcome of your case, as they evaluate the details of the accident, assess the damages, and negotiate settlements. Understanding the role of an insurance adjuster can help you navigate the claims process and ensure you are treated fairly.
What is an Insurance Adjuster?
An insurance adjuster is a professional employed by an insurance company to evaluate and investigate claims made by individuals who have suffered injuries or property damage. Their job is to assess the extent of the damages, verify the facts surrounding the incident, and determine how much compensation the insurance company should offer.
Types of Insurance Adjusters
There are three main types of insurance adjusters:
- Staff Adjusters: These adjusters are directly employed by the insurance company and handle claims for that specific insurer.
- Independent Adjusters: Independent contractors who work on behalf of insurance companies but are not directly employed by them. They may handle claims for multiple insurers.
- Public Adjusters: Hired by policyholders to represent their interests, public adjusters work independently of the insurance company to negotiate a fair settlement.
The Role of the Insurance Adjuster in a Personal Injury Case
In a personal injury case, the insurance adjuster plays several key roles:
1. Investigating the Claim
After a claim is filed, the insurance adjuster will investigate the incident. They will:
- Gather statements from all parties involved, including witnesses.
- Review police reports, medical records, and other evidence.
- Inspect the accident scene or property damage.
- Evaluate the extent of your injuries and losses.
2. Assessing Liability and Damages
The adjuster will also determine who is liable for the accident and the extent of the damages. This involves:
- Assessing the fault of each party involved in the incident.
- Evaluating medical records to determine the severity of your injuries.
- Reviewing property damage and other losses.
- Estimating the potential costs of future medical treatments and rehabilitation.
3. Negotiating a Settlement
Insurance adjusters often initiate settlement offers, and their goal is to minimize the amount the insurance company pays out. They may offer a low settlement initially, hoping that the claimant will accept it quickly. This is why it’s important to:
- Avoid settling too early, especially if you are still undergoing medical treatment.
- Consult an experienced personal injury lawyer who can evaluate the offer and negotiate for a better settlement.
4. Determining Compensation
The adjuster will use their findings to calculate the amount of compensation you are entitled to for both economic and non-economic damages. This includes:
- Economic Damages: Medical expenses, lost wages, and property damage.
- Non-Economic Damages: Pain and suffering, emotional distress, and loss of enjoyment of life.
5. Managing the Settlement Process
Once a settlement amount is determined, the adjuster will facilitate the disbursement of the compensation to you. They will ensure that the final settlement check is issued and that all legal and financial obligations are met.
Common Tactics Used by Insurance Adjusters
Insurance adjusters are trained to protect the interests of the insurance company. Here are some common tactics they may use to minimize your compensation:
- Downplaying the Severity of Your Injury: Adjusters may argue that your injuries are not as severe as you claim in an attempt to offer a lower settlement.
- Getting You to Settle Quickly: By offering a quick settlement, they may try to avoid lengthy negotiations, but it’s essential to wait until your injuries are fully evaluated.
- Offering a Low Settlement: Often, the initial settlement offer is far below what you deserve. It’s important to review this offer with your attorney before agreeing to anything.
How Dermer Law Can Help You Navigate the Insurance Adjuster’s Process
At Dermer Law, we understand how insurance adjusters work and the tactics they may use to reduce the settlement amount. Our team will ensure that your rights are protected throughout the claims process and that you are not pressured into accepting a low offer. We’ll work to gather all necessary evidence, including medical records, witness statements, and expert opinions, to build a strong case for your compensation.
Why Choose Dermer Law?
- Experience: With years of experience in personal injury law, Jay Dermer and Maxwell Shrem have a deep understanding of how insurance adjusters operate.
- Client-Focused Approach: We believe in putting our clients first. We treat you like family and will fight for the compensation you deserve.
- Skilled Negotiators: Our team is experienced in negotiating with insurance companies and will work to secure a fair and just settlement on your behalf.
Don’t Face the Insurance Adjuster Alone
Navigating the personal injury claims process can be complex, especially when dealing with insurance adjusters. Don’t let an adjuster pressure you into a settlement that doesn’t fully compensate you for your injuries and losses. Contact Dermer Law today for a free consultation and let us help you navigate the process with confidence.
