As a Texas car accident lawyer, I deal with insurance adjusters more than most people. So are insurance adjusters bad? The short answer is NO. But sometimes it's really hard to tell. The simple truth is that insurance adjusters are just people doing their jobs.
And it's your job to pay you as little as possible for the injuries from your car accident, even though your insured was at fault, or they may not offer you any payment. That's why you need an experienced car accident lawyer on your side. Of course, insurance adjusters are people too. However, they have been trained to deny claims.
The more complicated your case, the more loopholes you'll find to preserve the insurance company's profits. So, do all auto insurance adjusters act with an “evil mind”? The answer is no, of course not. But sometimes it can feel that way. The short answer is no, of course not, although it certainly may seem that way.
There's no doubt that buying and paying for car insurance mostly seems like an arduous task. You rarely feel like a winner when you actually have to use it. Auto insurance adjusters can be abrasive at times and sometimes downright rude. All of this can be exacerbated by the stress of an injury and a broken car, none of which you requested or wanted.
So why, when you're the victim, does the insurance company question you like a criminal? Some of the adjusters out there are very nice. There's nothing wrong or wrong with being an adjuster, and many are well-meaning people. While some will try to mislead a claimant, many will be honest in what they say. However, it's vital to remember that the insurance adjuster is not a friend and that they have a job to do that goes against their interests.
Insurance adjusters are one of those positions that many describe as “amoral”, if not downright evil. But are they really the bad guys? As with any job, there are certainly insurance adjusters who may not be good at what they do. But that doesn't mean insurance adjusters as a whole are willing to catch you. Most of the time, they just do their job.
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. The adjuster will hardly ever agree to do that, as they expect to find information they can use against you, even when you haven't done anything wrong and weren't the cause of the incident. 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. If the adjuster refuses, write a letter confirming the rejection to make it part of your claim file.