The Games Insurance Adjusters Play

Introduction

Insurance adjusters are responsible for investigating and evaluating insurance claims. Their job is to determine the extent of the damage and negotiate a settlement with the claimant. However, some insurance adjusters play games to minimize payouts and protect their bottom line. In this article, we will discuss the games insurance adjusters play and how to protect yourself from falling victim to their tactics.

The Lowball Offer

One of the most common games insurance adjusters play is the lowball offer. They will offer a settlement that is much lower than what the claimant deserves. They do this to save the insurance company money and hope that the claimant will accept the offer out of desperation.

If you receive a lowball offer, do not accept it. Instead, negotiate with the adjuster or hire an attorney to help you get a fair settlement.

Delay Tactics

Another game insurance adjusters play is delaying the claim process. They will drag their feet and take their time to investigate the claim, hoping that the claimant will give up or settle for a lower amount.

If you experience delays in the claim process, contact the adjuster and request a timeline for the investigation. If they continue to delay, consider hiring an attorney to help you move the process along.

The Blame Game

Insurance adjusters may also try to blame the claimant for the damage or injury. They may argue that the claimant was at fault or that the damage was pre-existing.

If you are being blamed for the damage, gather evidence to support your claim and present it to the adjuster. If they continue to deny your claim, consider hiring an attorney to help you fight for your rights.

The Secret Settlement

Some insurance adjusters may try to offer a secret settlement. They will offer a settlement that is less than what the claimant deserves but ask them to keep it a secret from their attorney or other parties involved in the claim.

If an adjuster offers you a secret settlement, do not accept it. Instead, inform your attorney or the other parties involved in the claim.

The Recorded Statement

Insurance adjusters may also try to get a recorded statement from the claimant. They do this to use the statement against the claimant later in the process.

If an adjuster asks for a recorded statement, do not give one without consulting with an attorney first. Your attorney can advise you on what to say and protect your rights during the process.

The Medical Authorization

Some insurance adjusters may request a medical authorization from the claimant. They do this to gain access to the claimant’s medical records and use them against them in the claim process.

If an adjuster requests a medical authorization, do not sign it without consulting with an attorney first. Your attorney can advise you on what information to release and protect your privacy during the process.

The Phantom Adjuster

Insurance adjusters may also assign a phantom adjuster to the claim. This adjuster will not contact the claimant or investigate the claim, but will instead deny it without explanation.

If you suspect that a phantom adjuster has been assigned to your claim, contact the insurance company and request an explanation. If they continue to deny your claim, consider hiring an attorney to help you fight for your rights.

Conclusion

Insurance adjusters play games to protect their bottom line, but you do not have to fall victim to their tactics. By understanding their games and protecting your rights, you can get a fair settlement for your claim. If you need help, do not hesitate to contact an attorney who can guide you through the process and fight for your rights.