Confessions of an Insurance Adjuster
To understand the life of an insurance adjuster, you really do have to think about someone sitting in a cubicle, in front of a video monitor most of the day, talking on the telephone, feeding information into a computer. That's what in inside insurance adjuster does.
And often times they have way too many claims to handle. They are rewarded or they are punished for their performance based on whether or not they are able to move a certain amount of claims off of their desk, and if you happen to be one of them in a time when that company is overwhelmed, you can expect, you can assume, you can be assured that your claim is not going to get the proper attention, because there is just going to be enough energy to do that.
An insurance adjuster is not always concerned about whether or not you are getting a fair shape. He is mostly concerned about moving that file off of his desk. An insurance adjuster will say, the only good file is a closed file, and the reason being is the longer a file remains open, the more it costs the insurance company.
In other words, sometimes it costs more to investigate than it does to settle or to deny or whatever. You know what I am saying. It's like easy to make an answer, to give an answer as to what the solution is going to be here, but it's not really giving the person a fair shape.
Unfortunately, in many cases, insurance adjusters don't do the proper investigation and they make decisions based on what it looks like in the beginning rather than making the thorough investigation. They might just as well make a quick decision on it rather than to spend the time, spend the insurance company's money to investigate it thoroughly. In many cases, they are making the wrong decision, but they don't really care because they are able to move a claim from this desk to the next desk, and some of the larger companies tend to segment or break up the job of the insurance adjuster.
So one guy does a certain part of the claim, where the property part, and the other guy handles the bodily injury, another guy takes care of subrogation or getting money back for the insurance company. It's much easier for the insured you to fall into cracks, because everybody is only looking at one little part of the claim. Nobody is really looking at the whole claim. They don't have all the information. They think they have all the information, because they do so many of these claims every single day, and they all look exactly alike after a while. We have to do our job completely.
Obviously it's not always expedient for the insurance company to do that; they'd rather take the easiest way out, and therefore you are not getting the claims worth that you need to have done. If you think that they are not looking at your claim properly, you need to say something about it, and unfortunately most people don't. They just pretty much accept, well if the insurance company says, this is what it's going to be. They say, well, then what am I going to do.
If you don't know how the system works, you are not going to do as well.
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