by Gb29888 » Thu May 08, 2008 01:41 pm
Hi. I was in a mva a week ago. It was clearly the other person fault. Im sort of have an idea of how adjuster work. Not all but some. When they ask you for a statement they ask you in the questions in such a way that is unfair. My grandmother and a few other family members had to deal with adjuster. They were asked very unfair questions and some of them end up with the short end of the stick. So im using them as a warning sign. I wrote a statement myself signed it and mail it to the adjuster. She said it was no good and unacceptable. Thats my statement how must it be unacceptable. Im under no obligation to give the other party insurance a statement. But still did any. How must my statement be no good? Maybe its because she cant use it to deny my claim or cant use it to take some fault from her insured.
Posted: Fri May 09, 2008 12:44 pm Post Subject:
When they ask you for a statement they ask you in the questions in such a way that is unfair.
That's an unfair and untrue statement...most adjusters have a script so that they won't forget any information, then they want the details...little bits of information can make a big difference....no one is trying to be unfair all they are trying to do (adjuster) is gleen all the information they need to make an informed decision.They were asked very unfair questions and some of them end up with the short end of the stick
Like what? EXACTLY..what questions regarding an accident would/could be considered ''unfair'''? I geniuenly want to know what you would consider an unfair question..I wrote a statement myself signed it and mail it to the adjuster. She said it was no good and unacceptable. Thats my statement how must it be unacceptable
Yeah, kind of, she can't ask you any questions...to clarify any details...I don't understand your angst, if you are truthful about everything whats the problem?Im under no obligation to give the other party insurance a statement
You are correct, but they are under no obligation to pay you either without all the information...You can use your carrier, if you have collision coverage then let your carrier subrogate against them.....Maybe its because she cant use it to deny my claim or cant use it to take some fault from her insured.
Or maybe she just wants to get ALL the facts...what does your carrier say about this? Did they not advise you to give her a statement? Again if you don't want to you don't have to, but you can't expect them to not be able to ask questions and get your answers unless it is a slam dunk accident (which most are not)....now if you're stopped at a light and get slammed from behind, there is a police report, and witnesses...ok, but all claims aren't that way...what type of claim do you have? damage to your vehicle I assume...do you also have an injury claim? Was there a police report?Posted: Fri May 09, 2008 04:19 pm Post Subject:
GB...you need to be upfront and open with the adjuster because they are just trying to get all of the information to process the claim. As Lori said...they are most likely following the script and not trying to trip you up when giving your statement. The only way these questions are unfair is if you are trying to hide something. I'm not saying you are but all you have to do is be honest and you will get what you deserve. With this statement that you sent...it might not have on it the specifics for the adjuster to get a correct understanding of how the accident happened. There are rules that need to be followed to process a proper claim and if you don't want to play by those rules then you will end up on "the short end of the stick"
Posted: Fri May 09, 2008 08:53 pm Post Subject:
I totally agree. If you are just honest with them then you can't go wrong. If you try and think too much about it and alter things it may bite you. Just like in life with everything, honesty is the best policy.
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