Insurance Adjustor FAQs
The insurance adjustor has been friendly and nice so far. Can I trust the insurance company to treat me fairly and consider my best interests?
The insurance company wants to conduct and record an interview with me in regards to my injury case. What should I do?
Q: The insurance adjustor has been friendly and nice so far. Can I trust the insurance company to treat me fairly and consider my best interests?
A: Though the insurance adjustor is being friendly now, this could just be pure business manners. Never assume that the insurance adjustor is going to put your best interests before those of the insurance company itself, or that the insurance adjustor is going to devote all of his or her attention solely to your individual insurance claim. Your accident claim means a great deal to you, so it’s imperative that you receive the compensation you are entitled to for all your damages, including your medical bills and lost earnings.
And what does your individual insurance claim mean to the insurance adjustor devoted specifically to your case? Unfortunately, it may not mean as much as you think it does. Your adjustor may have dozens of open cases at any given time, and certainly does not have as much of a personal stake in your case as you do. Moreover, you need to always remember that the insurance adjustor ultimately has the needs of the insurance company prioritized before your personal interests, and never the other way around.
While the adjustor may appear to be fully on your side at the beginning of your claims process, they can easily switch to using the intimidation strategy. The job of the insurance adjustor is to save their company as much money as possible. It is in their favor to give you the lowest pay out possible and your needs are the least of their concerns. As a matter of fact, if they can get away with not having to pay you anything, they will put all efforts to make that happen.
Once an adjustor contacts you, they may try to place responsibility for the accident on you, argue that there are medical treatments on your bill that should not be reimbursed, and basically do all that they can to get you to give up and feel at fault for filing a claim for your injuries. The best thing you can do is stand firm and hire a skilled San Diego personal injury lawyer to help guide you through the insurance claim process.
When presenting you with a settlement amount, adjustors will often offer a lower amount than you are rightfully entitled to in hopes that you will blindly accept and simply be satisfied with it. However, it’s important to realize that you have the freedom to either accept or decline any offer that is given to you. You do not need to settle for less than you deserve or lower your expectations in order to appease the insurance company. It may not be right, but it often takes the threat of action against the insurance company in the form of a lawsuit in order to be presented with a more reasonable offer. Be sure that you do not become one of the victims that fall into the insurance adjustor’s traps for you to settle for scraps.
Q: The insurance company wants to conduct and record an interview with me in regards to my injury case. What should I do?
A: It would be ideal if you could avoid making a recorded statement at all, but chances are you’ll eventually be forced to participate by either your own insurance company or under the Rules of Civil Procedure. Since this is the case, it’s best to be prepared and well-informed.
During the interview, the insurance adjustor tries to extract information from the claimant that can be used to weaken his or her case. Be mindful of the questions you are asked and be especially wary of the answers you give. Remember that every single word is recorded. If pushed for details, do not give ones you may not be able to recall later. Your forgetfulness will be used to discredit you.
Additionally, make your answers as brief as possible. Do not make your answer so certain and exact unless you are a hundred percent confident in it. If there is question you cannot answer, simply do not answer it. Avoid specificities concerning time, place, distance, speed, etc. And most importantly, talk with your San Diego injury attorney before giving a recorded statement.
A: We all know how important it is for you to buy the proper insurance coverage for you and your family. Though, most people don't know how much insurance to get or what plan is right for them until it is too late. With all the insurance companies out there advertising that they have the lowest rates and best plans can make the decision overwhelming as well. For those of you in the military, it is especially important that you and your family are covered.
Here are 4 simple steps to choosing the right auto insurance provider:
- Assess your insurance needs. Determine how many vehicles will need coverage and bundle that policy with homeowner's or renter's insurance, if you can. It will save you money in the long run.
- Figure out how you want to interact with your insurance provider. Depending on your needs, decide if a local company, a national company with local branches, an independent insurance agent, or a direct from insurance company would be the best fit for you.
- One you decide on that, compare three competitive quotes.
- Finally, check the financial strength of carriers at reporting agencies and check the company's license status with your state's Department of Insurance.
United Services Automobile Association (USAA), an insurance company that used to be exclusively for military officers of the various Armed Services, is now open to applications from non-commissioned officers and enlisted personnel from all of the Armed Services. You are eligible for coverage if you or your family member is a military personnel.
USAA is one of the highest ranked companies by Consumer Reports. Their rates are competitive and often times the lowest available. USAA also covers home and life insurance.
If you or someone you love has been injured in a car accident by someone who has a small insurance policy or no insurance at all, then you may have to cover the steep medical bills associated with your injuries. Yes, it is illegal to go without auto insurance, but a lot of people do it. If they aren't going to cover the expenses, make sure that your insurance company does.
At minimum, we recommend that you have at least a $500,000 uninsured motorist policy (UIM). That means that if someone with a $15,000 policy hits you and you have a $500,000 policy, the State of California will give you the difference of $485,000 or even the entire amount of $515,000.
Though, insurance companies will go to extreme lengths to protect themselves from being squeezed out of money. The process to get these funds can be long and tedious, especially when you are dealing with your own injuries. The San Diego car accident attorneys at the Jurewitz Law Group will work to get you the money you need to cover your medical costs and lost wages.
A: A survey by AAJ in 2009 ranked the top 10 worst car insurance companies as follows:
- State Farm
- Liberty Mutual
These insurance companies insure and compensate for auto accidents, slip and fall accidents, life insurance claims, and health insurance claims. Allstate was named the worst insurance company in America--again--in a dubious honor that seems to repeat each and every single year. According to the report, Allstate heads the list because of "a combination of lowball offers and hardball litigation." It is even reported that insurance adjustors are instructed by their supervisors to deceive claimants by lying.
If you are insured by one of these companies you should consider switching to a more reputable insurance carrier. If you have been injured due to someone else's negligence and find one of these companies as the insurance company for the negligent person or company, hiring a skilled San Diego personal injury attorney may be your best strategy.
A: Even though you have paid for the insurance coverage and purchased PIP benefits, your own insurance company can still deny payment of your medical bills.
This is because the insurance company hired their own doctor, known as a "peer review" doctor. Their doctor reviews your medical records given by your doctor to make sure it conforms to California standards and is "reasonable and necessary." Typically, this does not go in your favor and the insurance company may deny payment to your doctor for the treatment received.
In this case, a San Diego personal injury lawyer will sue the insurance company for violating the policy you purchased, violating the law, and showing bad faith. Unfortunately, this may be the only way to make your insurance company pay for your medical bills.
The insurance company has access to a huge amount of resources, which they use to make you settle for the least amount possible in your injury case.
A: No. Insurance companies have their own self-interests, and that is to save them money and close your file as quickly as possible.
Insurance companies are very skilled at negotiating on behalf of their company. In addition, they use extreme tactics to make you settle for a lower settlement than you ask for, which typically does not cover your expenses. A nice letter will not do anything for you. At the end of the day, insurance companies are working to protect themselves.
- Common Insurance Myths (and Facts)
- Automobile Insurers Don’t Want to Pay Your (Full) Medical Bills
- Passenger Liability 101: Your Guide to Insurance After an Accident
- A Bad Case of Insurance Injustice
- Don’t Get Screwed by Insurance Companies
- Little-Known Insurance Coverage That You Really Should Have
- Buyer Beware – Discount Auto Insurance
- Car Insurance Ad Characters Are Not Your Friends
- Meet the “Chinese Wall” of Insurance Litigation
Call the Jurewitz Law Group at (619) 233-5020 and begin your path to recovery with a no-cost consultation today.