Why wouldn't an insurance company want to reach an agreement? Insurance companies are businesses. Resolving a claim often means paying more than they want. Their goal is to pay as little as possible and limit your liability in the event of an accident. For this reason, insurers may refuse to reach an agreement because they want to try to reduce what they pay, if at all.
Are insurance adjusters bad? So are insurance adjusters bad? The short answer is NO, insurance adjusters work for insurance companies and their job is to pay you as little as possible for your injuries in a car accident, even though your insured was at fault, or they may not offer you any payment. Never say you regret it or admit any kind of fault. Remember that a claims adjuster is looking for reasons to reduce an insurance company's liability, and any admission of negligence can seriously jeopardize a claim. In this video, John Griffith of GriffithLaw explains how you can tell if your insurance adjuster is honest and fair.
It's important to remember that the claims adjuster is just like you. They have a job to do, children to take care of, and a mortgage to pay. They like to work with transparent and polite people and they don't like rude and disrespectful people. A good relationship with the adjuster can help you get where you want to go.
A claims adjuster who processes your file carefully and properly increases the chances that you'll receive a fair offer. Some claims adjusters will even work with you and tell you what they need to be able to increase your settlement offer. While it's important to be honest with your claims adjuster, you should avoid statements that suggest that you are at fault for property damage. Since your policy doesn't compensate you for property losses caused by your own negligence, your appraiser will hear statements that suggest that you caused the damage.
Dealing with the insurance adjuster may be easier if you have a detailed inventory, keep a record of your meetings with the adjuster, and understand the limits of your policy. You or your personal injury lawyer should regularly provide information about your claim to the insurance adjuster to get the adjuster to increase the “reserves” allocated to your claim. However, a public adjuster may charge a service fee of 10% to 15% of your claim payment once your case is resolved. If you don't agree with the offer and the appraiser has never seen the damaged vehicle, you can ask the insurance company's appraiser or appraiser to personally inspect your damaged vehicle.
Public appraisers are not affiliated with a company, but are licensed to work independently on behalf of a policyholder. For example, if a catastrophic storm occurs and an insurance company needs more adjusters than it has employed, it could hire independent appraisers to cover the need. A public insurance adjuster charges you a percentage of your insurance payment once your case is over. If the adjuster refuses, write a letter confirming the rejection to make it part of your claim file.