What You Need To Know About A Car Insurance Adjuster?
Car insurance adjusters help you get the best coverage for your vehicle by separating facts from fiction. But what do they actually do? What’s the difference between an auto insurance adjuster and a car accident attorney? And how much are you actually going to pay for these services? To find out, read this article.
What You Need To Know About A Car Insurance Adjuster
Car accidents are one of the top leading causes of death in America, with over 40,000 deaths per year and more than 3 million people injured each year. Accidents happen over and over again, and if you’re unfortunate enough to be involved in one, aside from the physical pain and injury you suffer from, you also have to take care of the financial side as well.
When it comes to car accidents, there are three parties involved: You (the injured), the other party who caused your accident (the defendant), and your insurance company. In most cases, your insurance company is going to be on your side as they want to pay as little on claims from you (and for the same reason, they are not fond of the other party either).
The defendant, on the other hand, usually has a different story. Most likely, they are underinsured and just got into an accident on their way to work. As such, they are immediately in need of car insurance; which is why they want their policy with your insurance company cancelled as soon as possible.
Now, after a car accident, the first thing both parties will do is file a claims form with their insurance company. The claims form will ask you details or information about the accident. Details like who the two parties are, what type of vehicle you were driving, who was driving the other vehicle, and so on.
Also, if you have a witness or have reason to believe that someone else may have caused an accident – like noticing a damaged front bumper or fractured windshield – your insurance company will ask you to fill out a form indicating whether the damage occurred before or during the accident.
Car insurance adjusters are then assigned to verify each claim and determine whether it is valid. As an adjuster, each side is going to try to make the truth seem like lies and lie like the truth. The adjuster’s job is to verify that there was indeed a collision, and if so, determine who was at fault.
After all of the exchanges have been made between the parties and their insurance companies, the claims will then be handed over to a car insurance adjuster for further investigation. Although many people think of them as sleazy lawyers who work on commission, that isn’t exactly true.
What Is An Auto Insurance Adjustor?
An auto insurance adjuster is also called a claims handler or claims examiner, but they do not have any legal status or authority over the case. Instead, their job is to look over the facts of each case and determine who is at fault. The adjuster would then do further investigation or research to determine whether there was a collision – or any fault involved – and figure out how much compensation the injured party should receive.
Typically, the adjuster will have access to all of your information and information about the other party as well. This means they can check your medical records, compare it to theirs, and see if they match up.
After the adjuster has completed their investigation, they will submit their findings, and sometimes a final settlement offer, to the insurance company. The insurance company will then determine how much to pay you; if they reject the adjuster’s findings, it may result in an attorney and a court trial. Some insurance companies have their own adjusters who are not independent contractors; however, these are typically low-paying positions to pay for the cost of training.
What Is A Car Accident Attorney?
So now that you know what an auto insurance adjuster does, we’ll talk about how they differ from a car accident lawyer.
Unlike the adjuster, the lawyer’s job isn’t to determine whether fault should be assigned after a car accident. Instead, they are hired by the victim or their families to represent them in court and help them get compensation for medical bills along with other related expenses. They will then negotiate with the defendant and their insurance company to make sure that you are paid for your injuries and any other expenses you incurred from having to take time off work.
Most car accident attorneys do not charge up front, but instead will take a percentage of what you receive from the insurance company after everything is settled or closed.
A car insurance adjuster’s job is to take a passive role in a car accident case. They will look over the whole situation and make their determination based on the facts and figures. If, however, you find yourself in an accident where a lawyer seems needed, you can check out our list of best car accident attorneys for more information.
If you’re involved in an automobile accident, the first step should involve getting in contact with your auto insurance company and filing a claim. If you need help with anything related to car accidents, such as figuring out what your insurance actually covers or how much it’s going to cost you, we recommend reaching out to a car accident lawyer.
View Sources https://www.legalzoom.com/articles/car-accident-adjuster
https://www.expertlawyerblogger.com/8-questions-to-ask-when-choosing-a-personal-injury-lawyer/ http://www.duihelpcenter.
Conclusion
There is no doubt that car insurance is complicated these days. While you may know the basics of your coverage, taking the time to research all of your options and conduct an in-depth search for the best deals available can be overwhelming.
If you have had a car accident, it is important that you contact your own insurance company and determine how much money they are willing to pay for damages or injuries. As soon as this occurs, you should reach out to a car accident attorney as well. They can help ensure that any compensation due to you will be paid in a timely manner so that your time off work is not interrupted.