Why Claimants Benefit From Gaining Insight Into Insurance Adjuster’s Role?

Claimants that manage to acquire such an understanding enjoy an advantage during the period of negotiations.

Each adjuster has 3 goals, after learning from the insurer that he or she must handle a specific claim.

• Each adjuster wants to settle the same claim as quickly as possible.
• Each of them wants to get the claimant to agree to as small a payout as possible.
• Each of them tries to settle the assigned claim without involving either the adjuster’s supervisor or any lawyer that might be working for the insurance company.

Hurdles that all adjusters must strive to overcome

• Lack of specialized legal training
• Lack of any medical training
• Limited time for investigation of assigned case
• Limited resources for investigation of same case

A claimant’s advantages

Keen awareness of the nature and extent of the accident-caused injuries: Understands how those injuries have had an effect on his or her life

Understands how the accident took place

Has an intimate knowledge of the challenges associated with the recovery period: Can appreciate the full length of that same recovery period

How the approach taken by the claimant could maximize the significance of the advantages that have been listed above

Claimants that organize the saved evidence make it easier for any retained personal injury lawyer in Etobicoke to access the same evidence, during the negotiations. A patient claimant should be better able to deal with the times when the adjuster must consult with a superior, before providing an answer to the claimant’s question.

For instance, most adjusters have a limit on the amount of money that might be promised to a given claimant. Of course, the evidence might suggest that a fair compensation would exceed that limit.
If such a situation were to arise, then the adjuster’s answer would not be available until he or she had spoken with a superior. A claimant’s patience should prove helpful, during the period when it has become necessary to wait for an answer.

Still, no claimant should function like a doormat. Instead, each of them ought to be assertive. If there were to be a time when an adjuster’s response to a question has been a claimed need to consult with a superior, then it would be the claimant’s job to insist on more information.

Adjusters are not strangers to the process of consulting with a supervisor. Any one of them should have a feel for how long it might take to get the desired information. In other words, adjusters’ experience could be used against them. Any one of them might be asked to give a specific date for the time when a given claimant’s answer should be available. Claimants have the right to seek greater insight into the specific date.

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