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What Insurance Adjusters do for Your Personal Injury Claim

Personal Injury ClaimIf you were injured in a car accident, you probably called your insurance company shortly thereafter. The representative on the other end might have made small talk and seemed genuinely concerned about the mishap. They likely scheduled a visit from an insurance adjuster, so you and your vehicle could return to a state of normalcy as soon as possible.

The adjuster's role is to make you feel like you have the best insurance company around and that your needs will be met, that is until they make you an offer to compensate for damages. Here is what you should know about adjusters:

Customer Service Professionals

The ultimate goal of the insurance company is to pay as little as possible for your claim, or even better, cancel the request entirely. What you need to know is the insurance adjuster works for the insurance company and does not have your best interests at heart. Insurance companies hire adjusters with excellent customer service skills. With their friendly banter and verbal condolences toward your situation, they build a level of trust, so you are more likely to accept whenever they offer a settlement deal at a fraction of its worth.

The Insurance Adjuster’s Job

An insurance adjuster thoroughly inspects the details of a case and determines how much they believe it is worth. Also known as a claims handler, the adjuster interviews the claimant, discusses the incident with local police, delves into your hospital and medical records, and finally examines the auto damage itself. These experts know what your claim is worth and what it will take to make repairs. However, to maximize profits, they set a maximum dollar amount for the claim, sometimes 25 percent to 50 percent lower than the actual value. Adjusters further determine their estimations by reviewing:

  • Potential medical bills
  • Lost wages
  • Pain and suffering
  • Emotional duress
Ask a Proven San Jose Injury Lawyer

If you suffered injuries or damages from a motor vehicle accident, it is highly probable your insurance will not offer what your claim is worth. Consult a Santa Clara County personal injury attorney before you discuss any details with the adjuster. Let us speak to the insurance company and their adjuster directly so we can best protect your interests. If your insurance company chooses not to cooperate, the attorneys at Corsiglia McMahon & Allard, L.L.P. will represent you to get the compensation you deserve. Call us today at 408-289-1417 to schedule your free consultation.

Client Reviews
I absolutely cannot speak highly enough of CMA Law, particularly of Mr. McMahon, with whom I have had the most experience. My entire family and I trusted CMA with our case following a significant and life-altering vehicle accident, and to say they delivered is putting it lightly. They were reachable & personable at every stage of this arduous, complex, and scary process, made things easier at every stage, inspired us with confidence, and delivered results. If you're looking for a law firm to place the trust of you in your family in, look absolutely no further than CMA - this is your firm. Declan O.
I suffered a severe spinal injury while working as a farm mechanic in the Salinas Valley. The attorneys -Tim McMahon and Mark Sigala were fantastic from the beginning. They fought for me over 3 long years and in the end, we won a difficult liability case against the farm company who was using dangerous equipment. The defendants in the case tried everything to put the blame on me and even claimed I was their employee in order to avoid civil responsibility. Tim and Mark never gave up on me and my case. I cannot recommend them highly enough. They are fighters. Adrian A.
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