How Do Insurance adjusters Investigate a Claim?
When an auto accident occurs and an insurance claim is filed, a claims adjuster plays a crucial role in investigating the incident. Their primary objective is to assess the damages and determine the appropriate compensation for the affected parties.
Gathering information. The claims adjuster begins by collecting relevant information about the accident. This includes obtaining the policyholder's account of the incident, interviewing witnesses, and reviewing any available police reports or accident documentation. They may also request photographs, videos, or other evidence related to the accident.
The adjuster reviews the insurance policy of the involved parties to determine the coverage limits and any applicable deductibles. This step helps them understand the scope of the insurance coverage and establishes the basis for further investigation.
Inspecting the scene
In some cases, the claims adjuster may visit the accident scene to assess the physical surroundings, road conditions, and any potential contributing factors. This on-site inspection allows them to gather additional evidence and better understand the circumstances surrounding the accident.
Examining vehicle damage
The adjuster evaluates the damage sustained by the vehicles involved in the accident. They may inspect the vehicles themselves or rely on photographs, repair estimates, or assessments conducted by qualified professionals. This assessment helps determine the extent of the damage and the necessary repairs or replacements.
Reviewing medical records
If there are reported injuries, the claims adjuster reviews the medical records and bills associated with the treatment received by the affected parties. This includes evaluating the severity of the injuries, the treatment received, and the associated medical expenses. They may also consult with medical professionals or request additional medical documentation if needed.
Interviewing involved parties
The adjuster may conduct interviews with the involved parties, including the policyholder, other drivers, passengers, and witnesses. These interviews help gather firsthand accounts, clarify any discrepancies, and gather additional information that may be relevant to the investigation.
In complex cases, the claims adjuster may seek input from experts such as accident reconstruction specialists, engineers, or medical professionals. These experts provide specialized knowledge and insights to assist in determining liability, causation, and the extent of damages.
Based on the gathered information, the adjuster assesses the liability or fault in the accident. This involves evaluating traffic laws, right-of-way rules, and any other relevant factors that may have contributed to the accident. The adjuster uses this determination to establish responsibility and liability between the involved parties.
Using the gathered information, including vehicle damage, medical expenses, lost wages, and other relevant factors, the adjuster evaluates the monetary value of the damages. They consider the insurance policy coverage limits, deductibles, and any applicable state laws or regulations to determine the appropriate compensation for the claim.
Once the investigation is complete and the damages have been assessed, the claims adjuster engages in negotiations with the involved parties to reach a settlement. They communicate the findings of the investigation and propose a settlement amount based on their assessment. The adjuster strives to find a fair and equitable resolution for all parties involved.
Documenting and closing the claim
Once a settlement is reached, the claims adjuster prepares the necessary documentation to finalize the claim. This includes drafting settlement agreements, release forms, and any other required paperwork. They ensure that all parties understand and agree to the terms of the settlement before closing the claim.
Can an Attorney Negotiate With the Insurance company?
A car accident lawyer can level the playing field when dealing with claims adjusters. They have extensive experience in negotiating with insurance companies and understand the tactics used to undermine claims. An attorney will advocate for your rights, ensuring you receive fair compensation for your injuries, medical expenses, lost wages, and other damages.
At MVP Accident Attorneys we will thoroughly investigate the accident, gather evidence, consult with experts, and build a compelling case to support your claim. Our legal team will negotiate with the claims adjuster on your behalf, leveraging their legal expertise and knowledge of the law to pursue a fair settlement. If necessary, our attorneys will not hesitate to take your case to court to ensure you receive the compensation you deserve.
Contact Us Today!
At MVP Accident Attorneys, we understand how difficult it can be to negotiate with an aggressive claims adjuster. When you hire a car accident lawyer on our legal team, they will handle every aspect of your case, including settlement negotiations and fight for maximum compensation.
Contact us today to schedule a free consultation and learn how we can help.
Brett S. Sachs graduated from Michigan State University College of Law with Cum Laude Honors. While attending Michigan State, Brett was awarded for his service in the Michigan State University College of Law Civil Rights Clinic, where he represented prisoners of the Michigan Department of Corrections from injustices brought upon them. Learn more.
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