What You Should Know About Insurance Adjusters And Your Injury Claim
When you suffer injuries in an accident, you have the right to file a claim against the negligent party and recover damages. As part of the personal injury claim process, you will have to deal with an insurance adjuster. Insurance adjusters may have different job titles, but all do the same job. If you suffered a personal injury in Florida and plan on filing an injury claim, there are some crucial things you need to know about insurance adjusters and your Florida personal injury claim.
What Is the Role of an Insurance Adjuster?
An insurance adjuster might be an employee for the insurance company, or they could be freelance. Regardless of whether an insurance adjuster works directly for the insurance company or is freelance, they all do the same job. It is the insurance adjuster’s job to determine if the other party is indeed liable for your accident. For the other party to be deemed liable for your accident, they must have done or failed to do something that resulted in your accident, and your accident must be a covered event under their insurance policy.
Suppose an insurance adjuster determines that the other party is to blame for your accident and your accident is an event covered under the other party’s insurance policy. In that case, they are required to calculate the value of your claim and then file a report with the insurance company detailing their determination of fault and their valuation of your claim. On the other hand, if the insurance adjuster determines that the other party is not to blame for your accident, your claim will be denied, and you’ll receive written verification of this denial.
That is the role of an insurance adjuster. But, the reality is that insurance adjusters are primarily focused on settling claims as fast as possible, for as little a sum as possible. The insurance adjuster works for the other party’s insurer even if they are freelance and insurance companies are in business to make a profit.
Insurance Adjusters Cannot Be Trusted
As already mentioned, an insurance adjuster works for the insurance company. An insurance adjuster might tell you they have your best interest at heart and will do everything they can to settle your claim fast for its full value. However, the reality is that insurance adjusters are fully committed to the insurance companies they work for.
When an insurance adjuster gives you an initial settlement offer, do not be quick to accept it because the first offer is usually a low-ball one. It would be best if you spoke to an attorney before taking any settlement offer from an insurance adjuster to avoid accepting less than you deserve.
Contact Us for Legal Help
Our Miami personal injury attorneys at The Pendas Law Firm can help prevent insurance adjusters from denying your valid injury claim. We can stop insurance adjusters from tricking you into accepting less than you deserve. Contact us today to schedule a consultation.
The Pendas Law Firm also represents clients in the West Palm Beach, Fort Lauderdale, Fort Myers, Tampa, Jacksonville, Ocala, Orlando, Bradenton, and Daytona Beach areas.