Many Clients have asked this question frequently, “Can I trust an insurance adjuster?” Probably the answer is, no! Find a trustable adjuster for the client.
The very first adjuster is a very friendly and frank person. The more serious the damages are, the adjuster becomes nicer to you.The real truth is an adjuster is an employee of the insurance companies, and he /she has to give an appropriate answer to his/her supervisor about what they paid to their clients. If an adjuster somehow manages their clients to pay less, he/she can get a bonus or promotion from the company. It is crucial to have a public adjuster by your side.
You should not trust an adjuster from the heart when he/she contacts you. The relationship between you and the adjuster is a business relation. An adjuster’s responsibility is to protect the loss amount of the insurance company and try to minimize the claim’s payment.
You should be aware of your interests when dealing with an adjuster, even if the adjuster is an employee of your organization. You have to remember that an adjuster always tries to give you less or sometimes not to pay the coverage. So you may say to the adjuster that your lawyers are capable enough to deal with the insurance company about claims and coverages, whenever they come to contact you.
Let’s focus on some common topics, what an adjuster can ask you, or you have to be conscious whenever you deal with an adjuster.
Voluntary Recorded Statement
To a claim adjuster, you should never give your voluntary record statement. This statement’s motive is to protect the insurance company’s money and bring down your insurance claims. This record is not favorable for any clients when they want to make a claim.
This statement is a favorable tool for the insurance company. The trustable adjuster are already trained about this statement. They set the questions for the statement in a way that is always favorable to the insurance company. So for the sake of your benefits, never give a voluntary recorded statement to an adjuster.
Asking for the medical providers
Another unfavorable thing for you is if an adjuster is asking you to your medical provider’s name. It is another tactic of the adjuster to protect the insurance company’s money. The insurance company does not need this information from you. Still, they try to collect the names because sometimes they may use your medical providers for negative purposes when you want to claim your insurance. Sometimes the company tries to threaten people who are not willing to provide those information. Remember one thing; an adjuster always tries to gather your personal information as much as he/she can. In the future, they can use those against you if they find any issues or weak points from that information. So always try to be aware not to give any personal information which may have been used against you.
Ask for medical authorization forms to sign
Sometimes adjusters send medical authorization forms to sign. It mainly asks a medical insurance client. They try to explain that they need the sign to start the claim process. Mostly these forms give all medical treatment records to the insurance company, and by using those informations, the insurance company can escape from claims. However, these forms are mainly related to accident claims.
The purpose of collecting all of your medical information is to lower your current accident claim’s value. Never sign any medical authorization forms without first speaking to an experienced personal injury attorney.
So after knowing the above facts, you can say that an adjuster is not a trustable person for clints. After all, he/she works for the insurance company. So he/she always tries to find ways to protect the money of the company.