Explaining to Your Adjustor Why Your Car was Gored by a Bull
A semitrailer carrying 32 bulls from Texas to Indiantown, Florida crashed into a tree on I-75 and caused a back-up that lasted for several hours. After the crash, a team of cowboys, veterinarians, and state troopers were called in to help gather the animals and assist with clean up. Chutes were set up to direct the animals into a different trailer so they could continue their journey to South Florida but the driver had serious injuries that placed him in the hospital. Three animals managed to escape and an officer had to shoot one after it became overly aggressive.
Can you imagine driving down the highway only to have a bull coming towards you? Furthermore, can you imagine explaining to your insurance adjuster why you have a giant hole from a bull horn stuck in your car’s radiator? When you file a claim, your insurance company has to send someone out to inspect the damage and these people are called adjustors. They may have seen many things but when they come to look at your car, they start fresh.
Filing a Claim
Whenever you get an accident where your car is damaged, you will want to utilize the car insurance you pay for to help with the costs of the repairs. To do this, you must file a claim with them. A claim lets you explain to the insurance company how your vehicle got damaged and from there, they will send out an adjuster who will estimate how much it will cost to fix your car. Once they’ve come up with an estimate, the insurance company will send you a check so that you can go get your car fixed.
It sounds simple but there are some other steps involved that you should know about. John Eager, senior director of claims services for the National Association of Independent Insurers says that there are five elements that are going to factored into your claims: what you tell the insurance company, what the other party involved in the accident tells the insurance company, a police report, any eye witnesses, and the damage at the scene. Be sure to have your story straight and get support if you can find it. Then the insurance adjustor is going to want to come look at your damage.
What the Insurance Adjustor Looks For
Even if you’ve turned in all the pertinent information with your claim straight to the insurance company, the insurance adjustor is going to want to know the same information. They are looking to rule out fraud whenever they make a visit and if any of your information doesn’t seem to match up, that may set off red flags. This means that you should have the names of everyone involved in the accident as well as vehicle information. Have photos of your car ready as well as your physical car, any estimates you may have gotten and a copy of the police report if it is available. An adjustor is going to want to know all the details of an accident so don’t be frustrated if they ask you to relive it. Their main role is to determine if you have enough coverage to make your repairs and if your repair costs are reasonable.
When you speak to your insurance adjustor, you should remember that they work for the insurance company. This isn’t meant to scare you into clamming up when they come around but stick to the facts. Many people have been denied claims when they claim that something wasn’t really a big deal and then when an injury begins to flare up a little bit later, because it wasn’t initially reported, they can’t claim any damages for it. Once you have spoken with your insurance adjustor, they are responsible for clearly communicating to you what your settlement is and how they came up with that price.
You need to make sure that you completely understand before you move on to the next step because you don’t get a do-over when it comes to the claims process. To make sure you are equipped with all the correct information, you should be able to reach your adjustor if you have any questions. Sometimes this can prove difficult so it’s best to get the vital information when you first talk to your adjustor. This includes your claim number, the date of the accident, your adjustor name and phone as well as their supervisor’s name and phone number.
Making Sure You’re Rightfully Compensated
If you ever feel like you’re not being given correct information or offered a fair settlement, you can obtain an attorney or go through the insurance company. Some accidents require more careful investigation than others and can be a drawn out process. No one want to be involved in these kinds of claims but there are some things you can do to make sure that it goes as smooth as possible. Don’t be afraid to contact the adjustor’s supervisor if you feel you are not being treated correctly and don’t accept a settlement that you haven’t agreed to first. And don’t forget about your agent. They can often act as a mediator between the two parties and offer advice and insight as to why your claims process may be going a certain way.
When you are in an accident, it’s only natural to want it to be over as soon as possible but it’s also very important to make sure that your claim is handled fairly. If you pay for car insurance every month, make sure you are able to reap the benefits of it when something unexpected happens. Always be honest about your claims but don’t give up any information that you think might be used against you by the insurance company to cheat you out of replacement costs. Make sure you have the right insurance coverage to protect yourself and your car.