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Ever Wondered What An Auto Insurance Claim Adjuster Does?
An auto insurance claim adjuster works for the insurance companywith whom you purchase a policy. Some insurance companies useindependent adjusters so that they get an unbiased report. Whenyou have an accident and make a claim on your insurance, thecompany will send out an adjuster to access the damages and comeup with an amount of money that will be needed to complete therepairs. The auto insurance claim adjuster has to contact thegarages 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 insuranceadjuster assigned to your case will contact you to get thedetails on where he/she can assess the vehicle. Then you willreceive a report from the insurance company regarding theassessment the auto insurance claim adjuster submits. If thedamages exceed the value of the vehicle, it will be “writtenoff”. The amount you get on your auto insurance policy depends on thepolicy itself. If the auto insurance claim adjuster determinesthat the vehicle is written off, the insurance will pay you thebook value of the vehicle. This could be more or less than whatthe car is worth. With some auto insurance policies, you can payextra to have a clause included stating that if the vehicle iswritten off within the first two years, you get the full amountthat you paid for the automobile.There is a certain process that an auto insurance claim adjusterhas to use to come up with the amount the insurance company willpay. You will usually get two quotes – one that will see the cargetting repaired at a top of the line garage and another if youtake a cash settlement on the claim and get the work doneyourself. The auto insurance adjuster knows that many peoplehave friends who can do the work cheaper and often take themoney. Once you decide how you want to proceed, the insurance companywill issue a check. If you are paying on the vehicle, the checkwill be made out jointly to you and the lender. Otherwise thecheck comes directly to you. The job of the auto insuranceadjuster is only to access the damages, Any dispute you haveregarding the report made by the auto insurance claim adjusterhas to be done through the insurance company. Keep this in mindbecause the adjuster is only an ordinary person like yourselftrying to make a living. An auto insurance claim adjuster doesn’t have an easy job.
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