All the various insurance adjusters you may encounter

VIDEO TRANSCRIPT:

Hello everyone. This is Robert Mansour. I wanted to make a brief video today about all the different kinds of insurance adjusters you're going to be dealing with. Not personality wise, I'm talking about the different types of people that you're going to talk to, the different jobs that they have. The first person that you call at the insurance company is generally an intake person. They're not really an insurance adjuster. You might think that they are, but they're not. They're just, they're to take the initial call and to make sure that the matter is routed to the appropriate individual. 

Then, there is somebody called a property damage adjuster. The property damage adjuster is the person who handles your property damage claim. That's all they do. They handle car rentals, fixing of cars, totaling a vehicle if it's a total loss. Sometimes frankly, the property damage department will have two separate components, people who handle only total losses and people who handle repairs.

Then, there is the adjuster who comes out, the field adjuster, who comes out and he'll takes a look at your car and examines it, and gives you an idea of whether this is something they can repair, roughly how much it would cost, et cetera. If you're making a case for injury, then the matter gets transferred to somebody else. That person is called the bodily injury Adjuster. That person's job is all about claims for injury, you know, whether it's hospital bills, medical bills, physical therapy, all of that stuff. That's their job. Now, sometimes this people will be dealing with your attorney and not so much with you. You should still understand that there are different players in the game. Also, on a bodily injury claim, if the case is filed with a lawsuit (because you're unable to settle your claim) in many cases, the same adjuster will stay on the case. A lot of times, they will transfer it to yet another adjuster who is a litigation specialist. Those adjusters work with the attorneys, the defense attorneys for the insurance company, as well as your lawyer, et cetera.

You'll see that you might think that there's just one person at the insurance company who's going to handle everything. What usually happens is, there's many different people you're going to run into, and each of them has a special task or a special job; from the bodily injury tester to the property damage adjuster, to the person you speak to the very first time you call. Then sometimes, some of the insurance companies will hire an investigator to come and take a statement in the "field" as they say. They'll come and take a recorded statement of you sometimes in person, sometimes over the phone. That might be yet another individual that you have to deal with. Please understand, they're not passing the buck. They just all have different jobs to do.

My name again is Robert Mansour. I hope you found this video helpful. Thanks for watching.