“Working with a claim adjuster is a challenge. Without sufficient documents, especially medical and car repair receipts, you will be offered a low sum of money as reimbursement”, said Russell Rabichev, Marketing Director of Internet Marketing Company.
LOS ANGELES (PRWEB) April 11, 2019
After being notified about the incident, the car insurance company will dispatch a team of experts to assess the damage, determine the reimbursement and settle the claim. When dealing with claim adjusters it is important to remember that following tips.
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- Have all the relevant documents ready. It is important to have everything organized and all papers ready for inspection. The policyholder must gather all medical records, medical bills and repair bills and provide them when asked by claim adjusters. Furthermore, get a copy of the police report. Adjusters will certainly ask for official documents.
- Have an initial proposal ready. Consider a minimum settlement before negotiations. Figure out how much were the total medical and car repair expenses. Also take into consideration lost wages resulting from the accident.
- Start negotiating first and offer your settlement to the adjuster. When negotiations start, back that sum of money with arguments. The policyholder must provide receipts, police reports, pictures, medical reports, etc. Anything that supports the claims helps.
- Accepting the first offer is a mistake. Claim adjusters work for insurance companies. It’s their job to minimize the financial losses of the company. So they will initially provide a very low offer. Do not accept it and ask for explanations and provide a counteroffer.
- Keep calm and cooperate with the adjuster. Even though the initial offer was really low, stay calm and professional. Provide arguments and the settlement money will gradually increase. Provide extra documents and photos when required.
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