Whenever you’re in a car accident, at some point you’re going to find yourself dealing with an insurance adjuster. Whether they call themselves a claims adjuster, claims representative, insurance consultant or any other title, they’re the point of contact between you and the insurer who is paying out your claim. You’ll also find out quickly that they’re not your friend, no matter what they claim.
Dealing with these people can be very frustrating when all you want is the money you deserve to get your life back together. You might even find yourself wondering why they seem to hold all the power. Learn what to do if you find yourself in frustration after an accident wondering what is an insurance adjuster, and when you need a car accident lawyer.
What Is an Insurance Adjuster?
The answer to the question of what is an insurance adjuster is deceptively simple. They’re men and women who are paid by the insurance company to resolve as many cases as fast as possible and at as low a cost as possible. These are people who are judged solely on three factors: how many cases can they close, how low can they close the case, and how often can they do it without bringing in a supervisor.
Many of these people have to resolve up to 100 cases per month, just to break even. What’s worse, they’re very limited in the offer they can make. A new and independent claims representative might be limited to no more than $5,000, an often-ludicrous offer. Even the most experienced direct-hire adjusters, however, might be limited to as low as $20,000 before having to call in a supervisor to negotiate further.
Make no mistake: the best result in the eyes of an insurance adjuster is to close your case without paying you at all. This means they might have people on site before even the ambulance or police arrive, masquerading as witnesses. They’re looking for holes to punch in your story. When you refuse their offer, they might try to claim that you’re not hurt as badly as you claim. This is especially true if you wait to see a doctor.
In some cases, they might try to state that you’re not hurt at all, or even that the accident was your fault. It’s all an effort to get away with paying you as little as possible, or do not have to pay at all. From your point of view, however, it feels like strong-arm bullying tactics, and that’s exactly what it is.
Work with an Auto Accident Attorney
When you face these people and their non-payment tactics, don’t pull your hair out wondering “what is an insurance adjuster?” Instead, contact a qualified and experienced auto accident attorney. For years, Andy Citrin Injury Attorneys have represented Alabama clients against these insurance claims representatives, and we’re ready to help you as well.
Don’t fall prey to lowball offers or bullying strategies. Call Andy Citrin for a free case consultation today.