Understanding Insurance Adjusters and How They Handle Injury Claims

Navigating an injury claim after an accident can be challenging, especially when dealing with insurance adjusters. At Quattrochi, Torres, and Taormina, our skilled Auto Accident Attorneys and Personal Injury Lawyers can help you understand the role of insurance adjusters and how to effectively negotiate your claim.


What is an Insurance Adjuster?

Insurance adjusters, also known as claims specialists or representatives, handle claims when an accident triggers insurance coverage. For example, if you're injured in a car accident caused by another driver, an adjuster from that driver’s insurance company will manage your claim.


The Role of an Insurance Adjuster

The primary goal of an insurance adjuster is to resolve claims quickly and cost-effectively. This involves:


  • Investigating the accident
  • Examining medical records and other evidence of damages
  • Assigning a dollar value to the claim
  • Negotiating a settlement


Adjusters aim to protect the insurance company's bottom line, which sometimes means denying claims or offering low settlements. However, most often, they work towards negotiating a settlement.


Tips for Communicating with an Insurance Adjuster

When dealing with an adjuster, keep the following tips in mind:


  1. Be Organized:  Have all your documentation ready, including medical records, accident reports, and any correspondence.
  2. Stay Calm:  Keep your communications professional and avoid admitting fault.
  3. Document Everything:  Use email or online portals to ensure there is a written record of all communications.


How Adjusters Settle Injury Claims

Adjusters are incentivized to settle claims quickly and for as little money as possible. However, they don’t know your claim as well as you do. You were present at the accident and know your injuries firsthand. Use this to your advantage by staying organized and informed about the value of your claim.

Once you and the adjuster agree on a settlement amount, the adjuster will send the necessary paperwork to finalize the agreement. Be aware that adjusters may need approval from a supervisor for higher settlement amounts.


Disagreeing with the Adjuster’s Settlement Offer

If the adjuster’s offer is too low, it might be a negotiating tactic. In this case, consider drafting a personal injury demand letter that includes:


  • Details of the accident
  • A description of your injuries and treatments
  • A summary of how the injuries have affected your life
  • A counteroffer for settlement


Seek Legal Assistance

If negotiations with the insurance adjuster are not yielding a fair result, it might be time to consult with an experienced Auto Accident Lawyer or Personal Injury Attorney. At Quattrochi, Torres, and Taormina, we are committed to helping you secure the compensation you deserve.


Learn how insurance adjusters handle injury claims and get tips for negotiating effectively with Quattrochi, Torres, and Taormina. Call for a free consultation.


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