How Does An Adjuster Start Working On A Claim?

Once an injured accident victim has filed a 3rdparty claim with the defendant’s insurance company, that same company assigns the submitted claim to one of the company’s insurance adjusters.

Adjusters focus their first efforts on those issues that could affect the pay-out.

Their investigation provides them with information on what took place at the time of the accident. By the same token, their investigation should yield information on the estimated worth of the claimant’s case.

After adjusters complete their investigations, their efforts begin to focus on a strategy for avoiding the company’s involvement in a future trial.

The adjusters’ efforts reflect their desire to keep a jury from making certain decisions.

Personal injury lawyer in Berwyn knows that no adjuster wants a jury to be placed in charge of determining who was at fault.Similarly, no adjuster wants to provide a jury with the chance to determine what damages would be appropriate. During the time that an adjuster’s efforts get focused on avoiding a trial, the adjuster’s actions must also work to limit the size of the anticipated pay-out.

Adjusters expect their investigations to uncover some noteworthy facts.

Each of them would want to know the total figure for the assigned claimant’s medical expenses. They would want to know the monetary value for the claimant’s lost income.
The claimant’s pain and suffering would be of interest to the person that has been asked to work on the case that had given rise to such pain and suffering.
That same person would also want to know about any other effects that the claimant’s injury had on his or her lifestyle.

Adjusters’ position should help them to gain access to some additional information

The company’s database, which should show whether or not the claimant has submitted prior claims
The policy limits on the insurance policy that was sold to the defendant
The strength of claimants’ cases—the chance that any of them might lead to the filing of a lawsuit

Ideally, those claimants that expect to receive an adjuster’s call have collected their own information.

Each of them should have been seeing a treating physician, and learning about the nature and extent of their injuries.

By the same token, each of them should have been gathering evidence that can support a charge that the other party is responsible for the reported accident.

While using their collected information, those claimants should be able to compose a demand letter. That letter should quote the amount of money sought in the form of compensation. The presentation of that quoted figure should influence the size of the adjuster’s initial bid. By sending a demand letter, a claimant reduces the chances for his or her receipt of a low-ball offer.