After being informed about an accident, the insurance company will send a team of experts to assess the damage and determine the final sum of money with which the policyholder should be reimbursed. When dealing with claim adjusters it is important to remember that they work for the company. Find out more and get free car insurance quotes from http://carinsuranceplan.org.
Have all the documents prepared. It is important to have everything organized and all papers ready for inspection. The policyholder must gather all medical records, medical bills and repair bills and provide them when asked by claim adjusters. Furthermore, get a copy of the police reports. It will be certainly asked by the claim adjusters, in order to compare it with the given info.
Have a settlement proposal ready. Consider a minimum settlement before negotiations. Figure out how much were the total medical and car repair expenses. Also, take into consideration lost wages resulting from the accident.
Offer the claim settlement proposal to the adjuster. When negotiations start, back that sum of money with arguments. The policyholder must provide receipts, police reports, pictures, medical reports, etc.
Do not accept low offers. Claim adjusters work for insurance companies. It's their job to minimize the financial losses of the company. So they will initially provide a very low offer. Do not accept it and ask for explanations and provide a counteroffer.
Be cooperative during negotiations. Even though the initial offer was really low, stay calm and professional. Provide arguments and the settlement money will gradually increase. Provide extra documents and photos when required.
"Working with a claim adjuster can be pretty difficult. Without sufficient documents, especially medical and car repair receipts, it is likely to have a low sum of money as reimbursement. Gather all necessary documents and provide them when asked", said
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