Once the insurer has handed a given claimant’s file to a particular adjuster, the adjuster’s job entails investigating what happened, and trying to determine the claim’s worth.
Unspoken, but acknowledged directives from insurer
Adjusters’ experience has taught them to work on making any payout as low as possible.That same experience has produced an appreciation of the need to avoid actions that might push the claimant to file a lawsuit, with the assistance of the Injury Lawyer in Cambridge.
The adjuster’s first task concerns collecting the facts
Learn the size of the medical expenses for the injured victim/claimant. They will discover the value for the claimant’s lost income, or uncover any evidence that the accident has shortened the time during which the claimant’s skills and talents can be used to earn a living.
Get details on the value of any claim about pain and suffering. Investigate, in order to see whether or not the accident has had any other negative effects on the victim/claimant. Learn specifics about the policy limits, as stated in the terms of the contract that the policyholder has with the insurance company.
After collecting all of those facts, the adjuster’s next task involves analyzing each of them, in relation to the apparent strength of the claimant’s case.
How can claimants gain an advantage over any adjuster?
A claimant’s willingness to hire a lawyer puts him or her at a distinct advantage. That action sends a message. It lets the adjuster know that the person that has suffered losses, as the result of a policyholder’s negligence, plans to fight for his or her rights.
Save any of the photographs that were taken at the scene of the accident. Make sure, as well, that each of those carries the date on which it was taken. You need to save all the medical records that relate to the diagnosis and treatment of each accident-related injury. That collection of records should include any results from a test, along with all observations from each imaging study.
Save every bill that has come from a medical provider or a medical facility. Do not waste time and effort by saving any bill from a chiropractor. Insurance companies often disregard the cost of any visit to a chiropractor.
Prepare and send a demand letter. That piece of communication should get directed to the adjuster’s office. The demand letter ought to include details, regarding what took place at the time of the accident. Those would be details that you did not offer during the initial phone call with the adjuster.
Adjusters like to call claimants soon after an accident, when their minds have not recovered from the shocking nature of that particular incident. That practice should make clear the logic behind placing certain facts in the demand letter.