HOW BEST TO HANDLE ADJUSTERS

An adjuster is a great addition to a policyholder’s boat but this does not assure you that the claim will go as smoothly as you expect. You cannot leave all the responsibility to them; the task of rowing the insurance claims help boat is still yours and the loss assessors are just an addition to make sure your ride is safe. Insurance claims adjusters should be able to explain to you all the policy regulations, and how the claims process will follow up after you have made the claim.
You should have made your own investigations so that by the time you visit the adjuster’s office with your claim, you are not bombarded with information you barely knew. Most adjusters are polite to claimants and have been trained on customer care. Nevertheless, you should realize that inasmuch as the adjuster empathizes with you he or she is an employee of the insurance company and he or she is mandated to come up with the best possible deal in favor of the insurance company. Not all of them have your best interests at heart no matter how polite they may be; so make sure you have knowledge of the extent of the damage and you have valued and documented it before you visit the adjuster.

What Does my Car Insurance Policy Contain?

Every state requires that drivers carry a certain amount and a certain kind of auto insurance. This is usually liability insurance, and the liability portion of a policy pays for accidental bodily injury and property damage to others sustained in an accident.

There is also collision car insurance or van insurance, which pays for the damages to the policyholder’s vehicle in an accident.

Comprehensive coverage covers losses and damages that don’t happen in accidents. Theft, vandalism, hail damage, and wind damage are all examples of comprehensive damages.

The medical coverage portion of a car insurance policy pays for medical expenses, regardless of who was at fault, for injuries sustained in an auto accident.

PIP, or Personal Injury Protection, is mandatory in some states, and covers the policyholder or insured driver for injuries sustained in an accident, regardless of who was at fault.

Uninsured motorist coverage pays for damages to the driver’s vehicle if the other driver doesn’t have liability coverage.

Underinsured motorist pays for the driver’s vehicle damages if the other driver doesn’t have enough liability insurance to pay for all of the damages.

Rental reimbursement pays so much per day for a rental car while the policyholder’s car is in the shop for repairs because of an accident.