Top Tips For Negotiating With A Car Insurance Claim Adjuster

LOS ANGELES, Oct. 22, 2020 /PRNewswire-PRWeb/ -- After being notified about the incident involving its client(s), the insurance company will dispatch a team of experts to evaluate the damage, the car repair costs and how much money will be spent to settle the claim When dealing with claim adjusters it is important to remember that they work for the company.

Here are a few tips on how to work with claim adjusters:

    --  Have all documents prepared. It is important to have everything
        organized and all papers and photos ready for inspection. The
        policyholder must gather all medical records, medical bills and repair
        bills and provide them when asked by claim adjusters. Having photos
        taken immediately after the accident may strengthen the policyholder's
        claim. Furthermore, prepare a copy after the police report. The claim
        adjuster will compare all the given information and extrapolate the
        useful info.
    --  Have in mind a minimum claim settlement sum. Consider a minimum
        settlement before negotiations. Use the medical and car repair receipts
        to determine this sum. Also take into consideration lost wages resulting
        from the accident - how much money is lost, past, present, and future,
        as a result of the injury. In some states this is called" lost earning
        capacity".
    --  Offer the claim settlement proposal to the adjuster. When negotiations
        start, back that sum of money with arguments. The policyholder must
        provide receipts, police reports, pictures, medical reports, etc.
    --  Do not accept low offers. Claim adjusters work for insurance companies.
        It's their job to minimize the financial losses of the company. So they
        will initially provide a very low offer. This is a common tactic and it
        is used to see how the policyholder reacts.
    --  Be cooperative during negotiations. Even though the initial offer was
        really low, stay calm and professional. Provide arguments and gradually
        reach a compromise. Provide extra documents and photos when required.

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