What to do When You Reach an Impasse with Your Insurance Adjuster (2024)

FAQs

What to do When You Reach an Impasse with Your Insurance Adjuster? ›

Speak With the Adjuster's Supervisor

Talk to the Department of Insurance

We also work to protect the rights of insurance consumers. Contact the California Department of Insurance (CDI): If you feel that an insurance agent, broker, or company has treated you unfairly.

When describing an accident to an insurance adjuster, do not say anything beyond what you experienced directly. You do not want to speculate about what happened because you could accidentally blame yourself. The insurance company could then have a good excuse to reduce your compensation.

You may provide the most basic details such as your name and contact info, the location and date of the crash, and what car you were driving. Other than that, politely decline to give more details. You have the right to refuse to answer the adjuster's questions or to consult with a car accident lawyer first.

Some insurance companies will do anything within their means to deny your claim and withhold payment or delay it as much as possible. They might introduce independent appraisal processes or go through different steps for validation purposes to deny paying you any money.

As a rule of thumb, stick to the facts. You should never lie when filing or discussing a claim with any insurer, as doing so may compromise your claim and lead to serious legal trouble down the line. However, you should also protect your interests by only providing the information you are required to by law.

The work of an insurance claims adjuster can also be stressful, as they may be handling multiple cases at the same time and are often under pressure to make quick decisions. Adjusters may also be required to work long hours and be on call for emergency situations.

What are the 3 key goals of a claims adjuster when settling claims? ›

Claims adjusters have three main goals when settling claims: accurate claim assessment, timely settlement, and customer satisfaction. They investigate and evaluate claims, ensuring that the claim amount accurately reflects the covered losses.

Answer: 2. I pursued a career as a Claims Adjuster because I enjoy problem-solving, helping people, and working in a dynamic environment. The most rewarding aspect of my role is helping claimants navigate difficult situations and ensuring they receive a fair settlement in a timely manner.

Claims adjusters inspect property damage to determine how much the company should pay for the loss. Claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim and if so, how much.

However, it may be that you can get a better offer by doing the settlement agreement negotiation on the basis of goodwill. There may not be any commercial incentive for them to pay you more, but they may genuinely want to be helpful and show gratitude for your hard work.

When this happens, carriers typically negotiate between themselves to reach a mutually agreeable determination. These negotiations may delay the settlement of your claim, but insurers are bound by law to pay out your settlement in an expeditious and fair manner.

Q: How Long Does an Insurance Company Have to Settle a Claim in California? A: California state law requires insurance carriers to settle claims within 85 days after the date of filing. Other deadlines come into play when contacting claimants and completing other steps in the auto insurance claim process.

When it comes to the value of specific items, condition is more important than age. An older item that's in excellent condition should be depreciated less than a newer item that's frequently used or one that's regularly exposed to water, sun, wind, etc.