Sometimes clients call me and wonder why their case has been apparently handled so many different adjusters. It might seem like there are many different people handling your case, especially at the very beginning. When you first place a call to the insurance company for the responsible party, or even your own insurance company, you're often greeted by an intake person. This person's job is simply to take the call, get the relevant information, and then turn the matter over to the appropriate department or the appropriate adjuster. These intake people are often very friendly and in some cases may give you false hope that everything is going to be simple and easy. Keep in mind, they have no reason to be unpleasant with you, and in most cases, they are so nice that you may have a false sense of security that everything in your case is going to turn out just fine. They assure you that they're going to take care of everything, that there's nothing to worry about, and so on. I'm not suggesting these folks are lying to you...I'm just suggesting their pleasant demeanor is not necessarily indicative of everyone you're going to encounter.
The next adjuster who might help you is usually the property damage adjuster. This person's job is to help you resolve your property damage claim. Whether or not it is your insurance company or not, this adjuster will often arrange for your vehicle to be inspected either by their own in-house inspectors, and/or the body shop. Sometimes, the property damage adjuster will send an inspector to take a look at your car wherever it might be. They will often give a preliminary assessment and in many cases write up an estimate. If your vehicle is a an obvious total loss, sometimes that's all it takes. In some cases, your vehicle will be taken to a shop where you will receive a more detailed estimate. The property damage adjuster may also arrange for you to get a rental car. Make sure that the rental car arrangement is strictly between the insurance company and the rental car company. All you need to do is pick up the car and return the car. If your vehicle is a total loss, you might hear from a "total loss" adjuster.
Another adjuster you might hear from is the bodily injury adjuster. If you are making an injury claim, your case will be assigned to a bodily injury adjuster whose job it is to review your medical records and bills and compensate you for your injuries. Keep in mind, this person does not have your interests at heart. They work for the insurance company, and their job is to take a very conservative stance when it comes to your medical bills. Don't believe it when they tell you they will "handle" all your bills and just to send it to them. If the bills get too high, the adjuster will argue your bills are too high and will not want to pay them. If you treat for too long, the adjuster might give you a hard time about that as well.
You need to know there are many different people at the insurance company that might handle your claim. Some insurance companies have even gone to a "team approach." Every time you call, you might get somebody different. The person taking your call might work for a particular team that handles your file. In some cases, this is very convenient because you don't have to speak with the same person every time. You don't have to play as much "phone tag." By the same token, the inverse is true, as it could also be very frustrating because you may have to rehash what you spoke about even though they try to keep copious notes at their end.
If you need help with your personal injury case, call our office at (661) 414-7100 to see if we can assist you. Thank you so much for visiting our website.
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by Robert Mansour
Robert Mansour is a personal injury lawyer serving Santa Clarita, Valencia,