| Have you ever wondered what an auto insurance | | | | adjuster could actually contact a lot of people to |
| claims adjuster exactly does? Well, having a vehicle | | | | enable him to accurately assess the accident and |
| means that you have an auto insurance which will | | | | your vehicle. Aside from talking to you, he would |
| protect you against any liabilities or injuries you could | | | | approach possible witnesses on the accident which |
| sustain caused by an auto accident. It is important | | | | could include traffic enforcers, police, and hospital |
| that you get to familiarize yourself on the nature of | | | | staff if you are also claiming for personal injury. He |
| the job of an auto insurance claims adjuster so that | | | | would also at times consult with other professionals |
| you will understand why he would do the things that | | | | such as accountants, construction workers, lawyers, |
| you would see him doing if you should have to go | | | | physicians, and other professionals who could offer |
| through the process of filing a claim. | | | | him expert evaluation of the claim. |
| Filing an Insurance Claim | | | | Once the adjuster is convinced that your claim is |
| Filing an insurance claim means that you have gone | | | | legitimate, then he would contact local repair garages |
| through an auto accident and that you need to claim | | | | in your area to get an estimate on the parts and |
| your insurance benefit to get your car repaired for | | | | services needed to repair your vehicle. He will then |
| the damages. The usual process which you need to | | | | submit a detailed report to your insurance provider |
| go through would be to contact your insurance | | | | regarding his final assessment which the company will |
| provider as soon as possible after the incident. | | | | relay to you. |
| Assuming that no one was injured, then your focus | | | | When the damage to your vehicle exceeds the value |
| would be to get your car repaired with the use of | | | | of the vehicle the auto insurance claims adjuster can |
| your collision coverage. Your comprehensive | | | | declare your vehicle a write-off. When this happens |
| coverage can also cover you for auto repairs in | | | | what you will get from your insurance company is |
| cases when your car got damaged through | | | | the book value amount of your vehicle. The actual |
| non-collision events. These events may include fire, | | | | amount would vary depending on the age of your |
| hail, storm, damaged by an animal, and more. | | | | vehicle but most of the time the book value would |
| What happens after initial contact with your insurance | | | | be less than what you paid for the vehicle. With |
| claim? | | | | some auto insurance providers though, they provide |
| When you contact your insurance provider you will | | | | an added option where you pay an extra premium |
| be connected to the claims department who will then | | | | for coverage to guarantee the full amount you paid |
| assign a specific claims adjuster to your case. Most | | | | for your vehicle if it has been written off within the |
| of the time the adjuster would be working directly | | | | first few years of purchase. |
| with your insurance company; other companies | | | | Often, the auto insurance claims adjuster will provide |
| though may hire independent adjusters to assure | | | | you options. Like whether you want your car to be |
| customers of unbiased reports. | | | | repaired by certain repair shops or if you want cash |
| Once the auto insurance claims adjuster receives the | | | | settlement for the claim and get the car repaired |
| claims assignment, he will contact you to arrange an | | | | yourself. Once you make the decision, the adjuster |
| appointment on when or where he could take a look | | | | will make the necessary arrangements to get it done. |
| at the vehicle for his assessment. After this, you will | | | | For any kind of dispute regarding the report that has |
| then receive a report from your insurance provider | | | | been submitted by the adjuster, you need to |
| regarding the assessment made by the adjuster | | | | contact your insurance provider and coordinate with |
| which would include the amount of money that would | | | | them. Always consider that the adjuster does not |
| be needed to repair your vehicle. | | | | have an easy job and just like every one else, he is |
| Depending on the situation, behind the scenes the | | | | just making a living as well. |