After the car insurance companies are notified about your accident, you will be assigned insurance adjusters who research the accident and determine your benefits from the at-fault driver’s car insurance policy and decide how much money you are entitled to. The adjusters work for the insurance company. The less money that is paid out in claims, the more money the insurance company makes. Most insurance adjusters will deal with you fairly, especially if you are knowledgeable and prepared to prove your insurance claim. However, many consumers are not prepared or knowledgeable about the insurance claim process. Remember, the insurance adjuster does this every day. You need to learn the auto insurance claim procedures.
You start this by knowing what special damages are and asking for them in your settlement claim. Special damages are losses that can be easily defined with a dollar amount such as repair costs, Diminished Value, towing fees, storage fees, replacement vehicle rental fees, medical fees, and loss of income fees. One tactic used by insurance adjusters after you demand special damages is to break off communications for a couple of days. This often results in a consumer that is not financially stable settling for less. Instead, you should use this time to document the merits of your claim and hire your own appraiser that represents your own interests. General Auto Check can provide that appraisal for you and tell you what you need to do to get your maximum payout. If fault is not in question, it is in the best interest of the insurance company to settle. Do not lower your claim amount until you get an acceptable offer from the insurance company.