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Ever Wondered What An Auto Insurance Claim Adjuster Does?
An auto insurance claim adjuster works for the insurance company with
whom you purchase a policy. Some insurance companies use independent
adjusters so that they get an unbiased report. When you have an accident
and make a claim on your insurance, the company will send out an adjuster
to access the damages and come up with an amount of money that will be
needed to complete the repairs. The auto insurance claim adjuster has to
contact the garages to get an estimate of what the parts and labor will
cost.
When you report a claim for an accident to your auto insurance, they will
contact the appropriate adjuster. The auto insurance adjuster assigned to
your case will contact you to get the details on where he/she can assess
the vehicle. Then you will receive a report from the insurance company
regarding the assessment the auto insurance claim adjuster submits. If
the damages exceed the value of the vehicle, it will be “written off”.
The amount you get on your auto insurance policy depends on the policy
itself. If the auto insurance claim adjuster determines that the vehicle
is written off, the insurance will pay you the book value of the vehicle.
This could be more or less than what the car is worth. With some auto
insurance policies, you can pay extra to have a clause included stating
that if the vehicle is written off within the first two years, you get
the full amount that you paid for the automobile.
There is a certain process that an auto insurance claim adjuster has to
use to come up with the amount the insurance company will pay. You will
usually get two quotes – one that will see the car getting repaired at a
top of the line garage and another if you take a cash settlement on the
claim and get the work done yourself. The auto insurance adjuster knows
that many people have friends who can do the work cheaper and often take
the money.
Once you decide how you want to proceed, the insurance company will issue
a check. If you are paying on the vehicle, the check will be made out
jointly to you and the lender. Otherwise the check comes directly to you.
The job of the auto insurance adjuster is only to access the damages, Any
dispute you have regarding the report made by the auto insurance claim
adjuster has to be done through the insurance company. Keep this in mind
because the adjuster is only an ordinary person like yourself trying to
make a living.
An auto insurance claim adjuster doesn’t have an easy job.
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