Outside Pressures On The Typical Insurance Adjuster

Insurance adjusters are not without outside pressures they must deal with every day of their work life. It would be advantageous for all readers to be aware of the most important of these because they could put money in your bank.

The first of these is your State Department Of Insurance. Every state has a Department, or Commissioner, or Bureau of Insurance that overseas the antics of all Insurance Claims Adjusters and their superiors in that particular state. Each has a Consumer Complaint Division. If the adjuster you've been dealing with has refused to make any offer at all, has engaged in what you consider to be unethical conduct, or has made what you believe to be a ridiculously low offer, you have cause for a complaint.

The mere mention of a complaint to the State Department of Insurance may bring the adjuster around to making a better offer. Adjusters would rather not have to deal with a complaint and they positively don't want copies of them ending up in their personnel file !

Your complaint to the State Insurance Department will accomplish several things. First, his boss will now become aware that there's a claimant who intends to do whatever it takes to obtain some positive settlement dollars. That will often inspire that person to take a closer look at your case and come up with a better offer. Also, if indeed you write to the Consumer Complaints Division, it will evolve into what's always a costly effort because a complaint with the State Insurance Department will add an additionallayer of work, supervised by an extra contingent of personnel. When it's realized this will likely come to pass they'll try harder to get rid of you and settle your claim.

The vast majority of insurance adjusters dream of one day being promoted to a higher position within the company they work for. They're acutely aware of the fact if their personnel file has correspondence flowing into it from claimants they've handled(plus copies of the letters which have been sent to the insurance commissioner) and those will, somewhere down the line, be read by one of his companies executives. In many instances this will be a man who doesn't want a "Problem" claims employee spluttering, splashing and crashing about his office area causing headaches and extra work within the framework of that particular executive's command. The adjuster is fully aware that such complaints will keep him, out on the road forever,and will surely prevent him from moving up the corporate ladder.

OTHER CRUCIAL ISSUES THAT THE ADJUSTER IS AWARE OF

When it comes to the reality of the way things work in the actual, daily, experience of personal injury claim negotiations and settlement, is often vastly different from the stipulations found in the "Formal law". That is, legal theory, as it's written and allegedly supposed to work. What this means, simply stated, is: Adjusters can settle a case, whether their decision to do so is based on "The Law", or not.

In the real world of Personal Injury settlements a "Compromise" (one which often has little and often nothing to do with "The Law") is the order of the day. It's commonly accepted among those is the business (because that's what makes their work life so much easier) that in any given case there's almost always a likelihood of negligence on both sides, rather than just one. What this boils down to in practical terms, is this: Irregardless of the law practically no claim is without merit or totally lacking in value - - especially if the "Value" is simply to "get rid of it". QUESTION: "How does Dan Baldyga know this to be true?" ANSWER: "Because he was an Insurance Adjuster, Supervisor, Manager and then Trial Assistant for over 30 years. He's been there, and observed that."

Although it's never expressed to him "officially" every adjuster quickly learns, should your case go to trail, compromise will usually be the order of the day, even in cases of questionable liability . This fact alone gives him plenty of room to make a compromise settlement before your case ends up in his Defense Attorney's hands where such a move will usually take place anyways! Why will this come to pass? Because the costs of preparing for(and then proceeding into)a courtroom battle will skyrocket.

Being aware of this is always bubbling and boiling in the gray matter between every adjusters ears. If there's any question whatsoever (regarding who was at fault in the accident you were involved in) don't ever give up. Keep pounding away! When faced with a determined claimant who's willing to wait and haggle and refuses to go away, the chances are the adjuster will eventually make an offer.

This comes to pass because the adjuster(especially if your claim has some value) doesn't want it to end up as a complaint at the State Department Of Insurance. Plus he knows you'll be made, a settlement offer, somewhere down the line, anyway! So, better he settle it now, before the cost of defending it gets blown out of proportion, later.

In order to continue to look good (especially to those who watch their progress and the way they handle the outside pressure's that haunt every one of them)insurance adjusters - - who want to climb their corporate ladder to success - - must be very cagey individuals who must work hard to please those they work for. For you to understand this will most assuredly be to your financial advantage.

Copyright (c) 2003 by Daniel G. Baldyga. All Rights Reserved

DISCLAIMER: This insurance claim article, OUTSIDE PRESSURES ON THE TYPICAL INSURANCE ADJUSTER is to help people understand the motor vehicle accident claim process. Dan Baldyga makes no guarantee of any kind whatsoever, NOR does he purport to engage in rendering any professional or legal service, substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUAL'S RESPONSIBILITY to obtain it.

Dan Baldyga's third and latest book, AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM (How To Evaluate And Settle Your Loss) can be found on the internet at http://www.autoaccidentclaims.com. or http://www.caraccidentclaims.com. This book reveals "How To" successfully handle your motor vehicle accident claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE (The Baldyga Auto Accident Settlement Evaluation Formula). BASE explains how to determine the value of the "Pain and Suffering" you endured - - because of your personal injury.

Dan Baldyga - Author

19 Winona Drive, West Springfield, MA 01089
Phone: (413) 733-0127 FAX: (413) 731-8358
Mail To: dbpaw@comcast.net
AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM
(How To Evaluate And Settle Your Loss)
Found On The Internet At: http://www.caraccidentclaims.com

Or: http://autoaccidentclaims.com

About The Author

For 30 years Dan Baldyga was a claims adjuster, supervisor, manager and trial assistant.He is now retired and spends his time attempting to assist those involved in motor vehicle accident claims so the will not be taken advantage of. Mail to: dbpaw@comcast.net

---

Types of Life Insurance

There are different types of life insurance policies available. Shop around and compare policies to ensure that you receive the best deal possible. This sounds obvious, however, there are dozens of different types... Read More

Life Insurance Fears Post the London Bombings Tragedy

Following on from the tube train and bus bomb attacks in London there was a move from several UK insurance companies to reassure victims that claims would be processed "quickly and sympathetically". This... Read More

Health Savings Account (HSA): Helpful for Older People?

The Health Savings Account (HSA) is an amazing tool that a lot of people have been talking about. It is meant to help you save money on insurance and make your life simpler,... Read More

Inside-Information Regarding Your Motor Vehicle Accident Insurance Claim

Here's some "Inside-Info" you must know so you won't be taken advantage of on your motor vehicle accident insurance claim and also: SO YOU CAN COLLECT EVERY DOLLAR THAT'S OWED TO YOU !The... Read More

Types of Homeowner Insurance

There are 6 different types of homeowners insurance in general that are consistently utilized. Of these HO-3 is the most usual policy then it is followed by HO-4 and HO-6. Others less used,... Read More

7 Tips Toward Helping You Reduce Your Insurance Costs

Not a year goes by that insurance rates go up. At least it seems that way. You can control ? even reduce ? your insurance expenses by following these seven easy to remember... Read More

Facts About Renters Insurance

If you rent an apartment or house, you might consider purchasing renters insurance.Renters insurance provides coverage for damage or loss of personal property for people in rental housing. It's to insure the renter's... Read More

The Great Value Of Accident Photographs

You were humming along on a bright and sunny day when suddenly Fred Fuddle, a local character from a nearby town, drunk as a skunk and zooming along in his pickup, flew through... Read More

Why Dont Insurance Companies Reward Us for Being Healthy?

Insurance is always a gamble, a bet actually.You are betting that you'll eventually get sick or hurt. And your insurance company is betting that you'll stay healthy.If you stay healthy your whole life,... Read More

Insurance for Those Who Run Bed and Breakfast Properties

A Bed and Breakfast, often referred to as a B&B, is a private residence with several rooms of which are set aside for overnight guests whose paid accommodations include breakfast. Modern Bed and... Read More

Indemnity Insurance For Landlords

As a property owner it is essential to protect yourself from the potential legal claims that could be made by tenants, contractors and members of the public who are injured whilst living in... Read More

High Risk Auto Insurance - How to Lower Rates

How is your driving record lately? Do you have a large amount of speeding tickets or maybe a few car accidents on your driving record? High risk auto insurance generally means one thing... Read More

An Intro To Life Insurance

There are many options available for life insurance, and for most people these options can be somewhat confusing. Below is a brief review of each type and some advantages and disadvantages of each.... Read More

What is Car Insurance?

Car Insurance is compulsory in the UK. You are required by law to have a policy to cover your liability to other road users.The Road Traffic Act requires all motorists to be insured... Read More

MSA or HSA: Can I Keep My MSA Or Do I Need to Convert it into an HSA?

The Medical Savings Account (MSA) is an older form of the Health Savings Account (HSA).You cannot open a new MSA. You cannot contribute additional money into your MSA.However, you can keep your MSA... Read More

I Was In An Accident, Will My Car Insurance Rates Go Up?

You were on the phone, got distracted and before you knew it traffic had stopped, giving you no room to stop and you rear end the girl in front of you. Or, let's... Read More

Life Insurance Careers

Do you like to spend all day being sitting around? Fixed income is good enough for you? Do you feel economic stability is not a priority right now?Well, if your answer to any... Read More

Choosing the Best Life Insurance Option for You

Life insurance in the UK is becoming more and more popular with many people now realizing the importance and the benefits of a good life insurance policy. There are two main types of... Read More

Protecting Your Expatriate Family

If you and your family relocate overseas, one of your first priorities from a financial planning point of view may very well be establishing health care.Costs and services abroad can differ greatly to... Read More

Insurance Claim - Medical Insights And Expenses

There's nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and... Read More

How to Match the Right Insurance Policy to the 4 Stages of Life

As we go through life our needs change. A Young man or women with a family has very different insurance needs then the Empty Nester. Here is a guide to help you determine... Read More

Insurance For All Your Gadgets

Personalisation, Digitalisation, Mobilisation, these 3 words represent your life today. Here in the 21st century our lives have become more and more reliant on mobile items. As we go through our days, keeping... Read More

Give Your Auto Policy a Tune-Up

When you originally purchased your auto insurance policy, you purchased a certain type of coverage to meet your needs at that time. Since then you have probably experienced many changes in your life.... Read More

What Are The Auto Liability Insurance State Minimums For My State?

As you shop online for the best auto insurance deals you may begin to ask yourself what exactly is required by law when it comes to auto insurance. Fortunately this article outlines the... Read More

What Type of Doctor Should I See Under My HSA?

You can withdraw money from your Health Savings Account (HSA) to visit an MD, DO or a chiropractor.Since you will be writing a check or using your debit card to pay for these... Read More

Finding Term Life Insurance Online

What exactly is Term Life Insurance?Term life is a form of life insurance where you're covered for a number of years - the number of years is called the term. Term life insurance... Read More

Auto Insurance Primer

What is auto insurance? Auto insurance (or car insurance, motor insurance) is insurance consumers can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred. By... Read More

Health Insurance Plans and their Differences

Health insurance plans have changed dramatically over the past ten years, and American's currently have several different options to choose from- including HMO's, PPO's, fee-for-service plans, MSA's and major medical. There are two... Read More

What is Pet Health Insurance?

Pet Health Insurance can give you the peace of mind that you are covered against unexpected vet bills. Having a pet can be a costly affair when you consider such expenses as food,... Read More