Insurance adjusters are not exempt from external pressures that they must deal with every day of their working lives. It would be to the advantage of all readers to be aware of the most important ones because they could put money in your bank.

The first of these is the Department of Insurance of your State. Every state has a Department, Commissioner, or Bureau of Insurance that oversees the shenanigans of all Insurance Claims Adjusters and their superiors in that particular state. Each has a Consumer Complaints Division. If the adjuster you have been dealing with has refused to make any offers, engaged in what you believe to be unethical conduct, or made what you believe to be a ridiculously low offer, you have grounds to file a complaint.

The mother’s mention of a complaint with the State Department of Insurance may lead the adjuster to make a better offer. Adjusters would rather not have to deal with a complaint and they definitely don’t want their copies ending up in their personnel file!

Your complaint to the State Department of Insurance will accomplish several things. First, your boss will now realize that there is a claimant who intends to do whatever it takes to get some positive settlement dollars. That will often inspire that person to take a closer look at his case and come up with a better offer. Also, if you actually write to the Division of Consumer Complaints, it will become what is always a costly endeavor because a complaint with the State Department of Insurance will add an additional layer of work, overseen by an additional contingent of staff. When they realize this is likely to happen, they will try harder to get rid of you and settle your claim.

The vast majority of insurance adjusters dream of one day being promoted to a higher position within the company they work for. They are well aware of the fact that if their personnel file contains correspondence from claimants they have dealt with (plus copies of letters that have been sent to the insurance commissioner) and that, at some point, it will be read by one of the executives of your company. In many cases, this will be a man who doesn’t want a “Problem” claiming that the employee sputters, splashes and crashes into his office area causing headaches and extra work under the command of that particular executive . The adjuster is fully aware that such complaints will keep you on track forever and will surely prevent you from moving up the corporate ladder.

OTHER CRUCIAL ISSUES OF WHICH THE ADJUSTER IS AWARE

When it comes to the reality of how things work in the real, everyday experience of personal injury claim negotiations and settlements, it is often very different from the stipulations found in “formal law.” That is, legal theory, as written and supposed to work. What this means, in a nutshell, is: Adjusters can settle a case, whether their decision to do so is based on “The Law” or not.

In the real world of personal injury settlements, a “Compromise” (one that often has little or nothing to do with “The Law”) is the order of the day. It is commonly accepted among them in business (because that’s what makes their work life so much easier) that in any case there is almost always the possibility of negligence on both sides, rather than just one. In practical terms, it boils down to this: Regardless of the law, virtually no claim is without merit or wholly without value, especially if the “Value” is simply “getting rid of it.” QUESTION: “How does Dan Baldyga know this is true?” ANSWER: “Because he was an insurance adjuster, supervisor, manager and then a trial assistant for over 30 years. He has been there and observed that.”

Although never “officially” stated to you, every adjuster quickly learns that if your case goes to trial, compromise will usually be the order of the day, even in cases of questionable liability. This fact alone gives you plenty of room to reach a compromise agreement before your case ends up in the hands of your Defense Attorney, where such a move will usually take place anyway! Why will this happen? Because the costs of preparing for (and then proceeding with) a court battle will skyrocket.

Being aware of this is always bubbling and simmering in the gray matter between the ears of every adjuster. If you have any questions (as to who was at fault for the accident you were involved in), never give up. Keep hitting! When faced with a determined claimant who is willing to wait and haggle and refuses to walk away, chances are the adjuster will eventually make an offer.

This is because the adjuster (especially if your claim has some value) doesn’t want it to end up as a complaint at the State Department of Insurance. Plus, he knows they’re going to make you a settlement offer, at some point, anyway! Therefore, it is better that he solves it now, before the cost of defending it is blown out of proportion, later.

To continue to look good (especially to those who watch their progress and how they handle the external pressures that beset every one of them), insurance adjusters who want to climb their corporate ladder to success must be very smart people. cautious. that they must work hard to please those for whom they work. For you to understand this will surely be a financial advantage for you.

Copyright (c) 2003 by Daniel G. Baldyga. All rights reserved

DISCLAIMER: This insurance claim article, EXTERNAL PRESSURES ON THE TYPICAL INSURANCE ADJUSTER, is to help people understand the auto accident claim process. Dan Baldyga makes no warranty of any kind, NOR does he intend to engage in rendering any professional or legal services, substitute for an attorney, insurance adjuster or claims consultant, or the like. When such professional help is desired, IT IS THE RESPONSIBILITY OF THE INDIVIDUAL to obtain it.

Dan Baldyga’s third and final book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How to Assess and Settle Your Loss) can be found on the Internet at http://www.autoaccidentclaims.com. or http://www.caraccidentclaims.com. This book reveals “How” to successfully handle your car accident claim, so no one takes advantage of you. It also goes into detail about the revolutionary BASE (Baldyga Auto Accident Settlement Assessment Formula). BASE explains how to determine the value of the “Pain and Suffering” you endured – – because of your personal injury.

Dan Baldyga – Author

19 Winona Drive, West Springfield, MA 01089

Phone: (413) 733-0127 FAX: (413) 731-8358

Mail to: [email protected]

AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM

(How to assess and settle your loss)

Found on the Internet at: http://www.caraccidentclaims.com

Gold: http://autoaccidentclaims.com