The Insurance Adjuster Is Not Your Friend!

When an accident occurs does not matter if it is your fault or another party’s negligence and you are injured or a loved one is killed, you must expect that the insurance company will reach out to you regarding your claim.

This is true for any type of accidents including:

Auto, Home (Disasters, Fire, Property, Accidents & Liability), Product liability, Dog bites, Medical malpractice and other accidents involving someone else’s negligence

Insurance adjusters do reach out as quickly as they can, but they do not have any intention not to help you. They act so fast because they want to get through to you before you have had time to think about your accident, related expenses, or hiring a lawyer to help you. They want to resolve the issue before you have had time to realize the extent of injuries you have suffered.

Adjusters are hired for their friendly or pretending to be friendly personality. They are engaging, conversational and approachable. They may seem very friendly and very concerned about you, but do not believe them. The last thing they care about is about you or you condition or if you will recuperate. They are not employed to help you or your situation. They work exclusively to maintain the best interests of the insurance company that employs them and be sure that you get the less money possible.

Ten Most Common Tricks Used By Insurance Adjusters to Deny Your Case

Below are the ten most common tricks used by insurance adjusters to devalue, diminish or deny your case:

– Promising to get a fair settlement for you while claiming to be on your side. They will sweet talk you to believe them.

– The adjuster is working in his or her own best interests, as well as those of the insurance company. Never working in your best interest.

– Their salary, security and future with the company depend on the outcome of their cases and how much money they have saved their company. The less that they pay you will secure their jobs.

– This means that your needs are not a priority, as your needs and what the company needs are opposed. Never think that you are important for them.

– Advising you to not get a lawyer and trying to get a settlement before you get one. It is very common that they will do anything to convince you don’t hire a lawyer.

– The adjuster knows that an attorney will make their job more difficult, as a lawyer will not let them get away with paying you less than you deserve. A lawyer will make difficult to rip off you.

– Negotiating a settlement is never easy and the insurance adjuster knows that as long as you do not have an attorney, they will get what they want out of your case. No having an attorney you will settle for less.

– Asking for a recorded statement. In the first conversation with you they will as for authorization to record the conversation.

– Adjusters want you to say something that will derail your side of the case, even if it can be taken out of context. They will try to set you up with an answer that was not what you were going to give.

– Even just saying you are “fine” when asked how you are doing in regular conversation with the adjuster can be used against you, if you are claiming injuries after a car accident.

– Asking you to sign authorization for the adjuster to obtain your medical records. This is done almost immediately after your claim.

– By signing the authorization for your medical records, the adjuster can learn all sorts of personal details about you.This is very important for them to check if it is anything in your medical history that can be used to deny your claim.

-Whatever they find can be used against you, even creatively. They will visit you and try to chat with you again and again.

-They want to discredit you and show that your injury is false or from prior issues. If you have prior issues they will want to use those against you.

– Very Important! You should never sign records over without your lawyer’s advice to do so.

-Having you agree to a quick settlement with signing of a full release.

-You may be offered an on-the-spot small settlement in exchange for signing a full release from other damages.

-Because this often happens even on the scene of the accident, you will not have had time to realize the full extent of your injuries.

-Delaying payment of your claim. The most that they delay the most frustrated that you will feel and you will settle for less.

-By delaying payment of your claim and making you endure the struggle of lost wages and medical expenses without compensation for a period of time, adjusters know that you will likely “crack” under the pressure and sign for a lesser amount than you deserve, just to gain the quickest payment possible.

-Conducting surveillance. They will follow you day and night. Even if you go to Mexico they will cross the border following you.

-When you claim injury, the insurance company will most often hire investigators to watch you and even videotape or photograph your movement and activities. They will sit in front of your home or employment to see all your activities.

-They do this to disprove your injuries. If you go for a jogging or pick you something they got you doing something that you don’t suppose to be doing if you were injured.

-The key is that in that case and you should not claim injuries you do not have.

-But even in fully honest circumstances, creative photography can provide a false impression that you are not injured. Photoshop is a great tool in any field.

-Misrepresenting the insurance policy’s coverage available for your claim’s payment. You need to know your policy. 

-Adjusters are sometimes deceptive in downplaying the amount of insurance available for a claim. They will pay you less that the insurance company approved in your claim.

-There is often more coverage than they lead you to believe. Your insurer may deny that you have uninsured motorist coverage, something everyone in Arizona or California is offered when acquiring insurance.

-But if they cannot provide signed proof that you rejected this offer at the time of signing up with that insurance company, they must provide this coverage for you. Probably you don’t know what you signed as you don’t read the contract line by line when you signed it.

-Denying liability for paying a claim. It about making the insurance company money not helping you.

-There are a multitude of ways in which an insurance company may deny or limit their liability for paying a claim. They will be sure that they will convince you that it was your fault.

-The insurance company may try to say the accident was your fault, that you contributed to the accident, or that another party under another policy was at fault. Everything is about not paying you.

-Disputing your damages and medical needs or trying to attribute these to a pre-existing condition. This is very common for them to claim.

-Adjusters will often try to step into the role of licensed medical doctors and claim that provided treatments were unnecessary or took too long to provide. Remember they don’t want to pay you, and they will try anything for you don’t get pay.

-Insurance adjusters are not medically trained and are unqualified to make such claims.

A standard homeowners insurance policy covers a surprising range of incidents and expenses. It may also surprise you what isn’t covered. Knowing what’s covered and what isn’t is key to protecting yourself, your family and your pocketbook. Please check with your insurance agent in your state.

Disclaimer: I am not an insurance agent and I only writing about insurance adjusters because of personal and family experiences and my clients experiences. Plus I feel that we all need to know how to protect ourselves in case that we have or a love one has an accident.

Are you thinking about selling, or just curious about the value of your home? Call me today for a free home value estimate.

Stella Bonin

Coldwell Banker Residential Brokerage
480.797.4884 / 619.250.6214

I am licensed in California and Arizona and we have offices around the country.

California Bureau of Real Estate Lic. # 01222569
Arizona Department of Real Estate Lic. # BR550696000

“Equal Housing Opportunity”




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