The first person who starts handling your case after you get into a car accident is probably an insurance adjuster — or at least works closely with one. The question then arises: What do these people do?
Insurance products are complex, and the companies themselves are usually even more convoluted. Even so, understanding these topics should help you realize why it is usually necessary to negotiate in order to get the money you deserve.
What is an insurance adjuster?
As explained on FindLaw, an adjuster is someone who determines how much your insurance company should pay. The good news is that many of these people are very good at their jobs. The bad news is that, when they work for someone else, they are under no ethical obligation to pay you the maximum amount possible — and some even attempt to avoid paying what you truly deserve.
How do you negotiate with insurance?
From the first moment the company contacts you, negotiations are open. You should probably be cautious about making any type of recorded statement, even during a phone call, without understanding the possible consequences might have on your claim.
Typically, you should start by preparing yourself with all of the necessary information about your losses. The initial deals you get might have a factual basis in statistics, but you might need more to truly recover in your unique situation.
What if the insurance company declines or delays?
Delays and rejected counter offers are very common insurance-company tactics. You have a limited time to begin legal action. If they succeed in delaying or distracting you, there could be the possibility for mistakes in their favor. Usually, the best way to deal with shady negotiating tactics is to move to a more formal setting where you stand on equal ground.