If you need to talk to a car insurance adjuster, there are a few things you should know before you do. The first rule of thumb is to remember that your car insurance adjuster is there to save money for the company he works for, not for you personally.
Don't sign anything without reading everything first, and don't assume that the car insurance adjuster isn't trying to help you. If the adjuster wants to talk on the phone about something, tell him or her you'd rather meet in person until your insurance claim is settled.
You can be nice to the insurance adjuster, but you should still be firm. No matter what happened at the scene of the accident, it is not the car insurance adjuster's fault if the person who hit you was an idiot. Don't think that an adjuster's thoughts aren't important because they all go into your file. How you treat him or her could affect your insurance claim in the future.
Even if your car hit a deer, for example, insurance adjusters will still be called to figure out how much damage was done. Let the adjuster do his or her job and be nice. When you hit a deer, it can cause as much damage as or even more damage than when you hit a car. Let the car insurance adjuster look at the damage and decide for himself or herself how bad it is. Again, don't sign anything until your car insurance claim has been settled.
People also expect an independent car insurance adjuster to settle insurance claims quickly. This person may not be loyal to a certain insurance company, but they still want to get the fee from that company. An insurance adjuster has limited power to settle a claim, but they will do everything they can to make sure you are treated fairly.
Don't let a car insurance adjuster make you think he's your best friend in the world, because you'll be disappointed later. This is the nature of the job, and the adjuster is there to do a job, no matter how nice he or she is. You don't have to do much except give them the information they need to figure out how bad the damage is to your car.
Just be careful when talking to a car insurance adjuster.
