Beware of These Insurance Adjuster Tactics When Filing a Claim
Insurance adjusters are the people who investigate and evaluate insurance claims. They are responsible for determining the amount of money that an insurance company should pay out for a claim. While they are supposed to be impartial and objective, some insurance adjusters may use certain tactics to reduce the amount of money that an insurance company pays out. It is important to be aware of these tactics so that you can protect yourself when filing a claim.
What Tactics Do Insurance Adjusters Use?
Insurance adjusters may use a variety of tactics to reduce the amount of money that an insurance company pays out for a claim. Some of the most common tactics include:
Delaying the Claim: Insurance adjusters may delay the processing of a claim in order to reduce the amount of money that an insurance company pays out. This can be done by requesting additional information or documents that are not necessary for the claim.
Lowballing the Claim: Insurance adjusters may offer a low settlement amount in order to reduce the amount of money that an insurance company pays out. This can be done by offering a settlement amount that is much lower than the actual cost of the claim.
Denying the Claim: Insurance adjusters may deny a claim in order to reduce the amount of money that an insurance company pays out. This can be done by claiming that the claim is not covered by the policy or that the policyholder is not eligible for coverage.
Using Scare Tactics: Insurance adjusters may use scare tactics in order to reduce the amount of money that an insurance company pays out. This can be done by threatening to deny the claim or by making false statements about the policyholder’s rights.
How Can You Protect Yourself?
It is important to be aware of the tactics that insurance adjusters may use in order to reduce the amount of money that an insurance company pays out. Here are some tips to help you protect yourself when filing a claim:
Read Your Policy: Make sure that you read your policy carefully so that you understand what is covered and what is not. This will help you to determine if the claim is covered by the policy and if the insurance company is obligated to pay out.
Gather Evidence: Make sure that you gather all of the necessary evidence to support your claim. This includes photos, receipts, medical records, and any other documents that can help to prove your claim.
Be Prepared: Make sure that you are prepared for the claims process. This includes having all of the necessary documents and information ready and knowing what to expect from the insurance adjuster.
Hire an Attorney: If you feel that the insurance adjuster is not treating you fairly, you may want to consider hiring an attorney. An attorney can help to ensure that your rights are protected and that you receive a fair settlement.
FAQ
Q: What is an insurance adjuster?
A: An insurance adjuster is a person who investigates and evaluates insurance claims. They are responsible for determining the amount of money that an insurance company should pay out for a claim.
Q: What tactics do insurance adjusters use?
A: Insurance adjusters may use a variety of tactics to reduce the amount of money that an insurance company pays out for a claim. These tactics include delaying the claim, lowballing the claim, denying the claim, and using scare tactics.
Q: How can I protect myself when filing a claim?
A: It is important to be aware of the tactics that insurance adjusters may use in order to reduce the amount of money that an insurance company pays out. You can protect yourself by reading your policy, gathering evidence, being prepared, and hiring an attorney if necessary.
