What Does An Auto Insurance Claim Adjuster Do?
When you inform your insurance company about your vehicles accident, the insurance company sends an auto insurance claim adjuster to study your vehicles damage and loss. Sometimes, insurance companies hire independent adjusters to eliminate the possibility of biased reporting. These auto insurance claim adjusters are supposed to assess the damage done to the vehicle and the cost that will be involved in getting it repaired. For that they contact the repair garages to collect and estimate the cost of the repair work. When you contact your insurance agency to make a claim on your insurance, they call a suitable adjuster. Your auto insurance adjuster will ask you about where he/she can inspect the vehicle to prepare an assessment report. Once the auto insurance claims adjuster has prepared that, it would be submitted to your insurance company. If the damages to your vehicle exceed the value of your vehicle, the vehicle would be written off.
The recovery amount you can expect after an accident depends on the type of policy you have bought. If your case is written off, you will get the registered value of your vehicle from the auto insurance firm. This could be more or less than the value of your vehicle. There are some auto insurance policies, which require you to pay extra to include a condition that states that if the automobile is written off within two years of its purchase, you can claim the full amount of the vehicle. There is definite a process which the auto insurance claim adjusters use to estimate the total amount which an insurance company will pay. Usually, two quotes are given to you. In one, the auto adjuster gets the repairing done for your vehicle. In the second, you take cash settlement and get your vehicle repaired yourself. The auto insurance adjuster knows well that many people have contacts with repair agencies that can do the work for them at cheaper prices. The insurance company gives you the due amount through a check once you make up your mind about the way you want to get your vehicle repaired. If you have taken it on a loan, the check will be issued in your and the lenders name. Otherwise, the check will be in your name. All the auto insurance claim adjuster does is check the damage to your vehicle. If you want to counter the report you have received, you need to contact your agency. The auto insurance claim adjuster is just an independent guy. Seldom are the chances that his/her report would favor the insurance company. He/she does not have any other interest but his/her own livelihood in this entire process. |
