If you’ve been injured in an accident, you will at some point in time have to deal with a representative called an insurance adjuster. They might call themselves a claims representative, independent insurance representative, claims adjuster or some other title, but they’re all the same and they seem to have one job: to get in the way of your compensation.
It can be very frustrating to deal with these people, especially if you don’t understand what they do or who they are. It can be confusing, scary, and infuriating when you just want the money you deserve. Let’s explore the answer to the question of what is an insurance adjuster, and why you need help from a personal injury attorney to get compensation in your case.
What Is an Insurance Adjuster?
“What is an insurance adjuster?” is the million dollar question—sometimes literally. Insurance adjusters are professional representatives of the insurance company. They may work directly for the company or they may be independent contractors. Regardless, they have one job, and that’s to close as many cases as possible, as fast as possible, for as low a payout as possible.
This means their job, very literally, is to get you to sign off on as low an offer as they can. They might be required to close 100 cases per month or more, just to be considered to break even. Worse, most of them are severely limited in what they’re allowed to offer without elevating the case to a supervisor. It could even be as low as $5,000.
Claims Adjusters and Non-Payment Tactics
The adjuster will usually start off by acting like your friend, and the only ones who cares. When they think they’ve hooked you, they’ll tender a very lowball offer for your case. Then, when you turn down this offer, their demeanor will change. They’ll try to convince and cajole you, claiming that you might get less if you go to court.
They might try to punch holes in your story. They will claim that you’re not all that hurt, that your injuries were pre-existing. They might even say you’re not hurt at all. Failing this they could claim that you were actually at fault for the accident. They start to threaten you that if you don’t sign their offer you’ll get nothing. It can be terrifying and heartbreaking.
To fight back against these bullying tactics, you need someone in your corner who knows the law, who knows how to fight back, and who is willing to defend your rights. For years, the Stewart Bell Injury Lawyers have stood up to defend the rights of people just like you. We know how to fight against the strong-arm efforts of insurance adjusters who just want to avoid paying you what the law says you are entitled to receive.
We can gather the necessary evidence, we can stand up in your corner, and we can remind everyone involved that you’re the victim. We will give you the best shot at collecting significant compensation. Don’t ask yourself, “What is an insurance adjuster?” Instead, contact our offices for a free consultation today.