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 Posted: Sat Feb 09, 2008 5:36 am Post subject: |
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| I think if that person says he works for the worst insurance company around he probably knows what he is talking about.But that does not mean they are all that way.I think when a person files a claim for damage sometimes they misunderstand their policy. I believe most insurance companies are fair and most accommodating. |
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hummingbird
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| Posted: Sat Feb 09, 2008 11:41 am Post subject: |
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Wow Hummingbird have you ever come a long long way since joining this great community!?  Seriously, if you look back at your first posts regarding such topics, totally different...Just goes to show that when you gain knowledge and understanding (as you have by participating here), you not only broaden your mind but realize, maybe just maybe your original opinion was not based on fact.....I'm impressed and thank you!
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Lori
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| Posted: Sat Feb 09, 2008 7:52 pm Post subject: |
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Thank you Lori, I have gained a greater appreciation and understanding by reading the posts here of what is involved in the insurance industry. I am also happy to have been enlightened by all you wise people. I have heard the words you spoke from an insurance perspective.Putting the customer back where he was before the accident or whatever and in the most economical way for both parties. As I understand it the customer has to sign off on the repairs that they are to their satisfaction. Right?
(Also Lori,that signing in thing has happened to me more than once,caused me to loose my pay for my posts...lol I post after I have been signed in and all of a sudden it calls me "guest"! must be a fluke .Thought it was just me glad to know it does happen to others) |
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hummingbird
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| Posted: Sat Feb 09, 2008 8:03 pm Post subject: |
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You're welcome...I appreciate that you took the time to educate yourself about this industry....that automatic logging us out thing...I haven't had that trouble for quite some time....let me know if it keeps up, or better yet just go ahead and pm Lakemen about it...I've tried to make it a habit to look as I'm typing that it 'doesn't' say ''anyonomous" next to the box...actually i have started using the quick reply almost every time now..so maybe that's why i'm not having that trouble...?
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Lori
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| Posted: Sun Feb 10, 2008 2:20 am Post subject: |
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| I always use the quick reply. I never noticed either that it had one more box there than what it usually does if you are signed in. I have no clue .I was posting away then all of a sudden it just says guest! |
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hummingbird
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| Posted: Sun Feb 10, 2008 12:20 pm Post subject: |
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contact lakemen
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Lori
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| Posted: Mon Feb 11, 2008 8:03 am Post subject: |
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Lori,
There really isn't anything that can change the public's perception of an insurance adjuster as a whole. I'm sure you look on line or watch the news…are there loads of stories out there that talk about how everyone is paid the exact amount of their claim and within 2 hours of their loss? NO! Those stories don't sell and those insureds/claimants are not the ones calling the local TV station to do a story. Nobody calls the insurance commissioner to log a “job well done”. If you're lucky you get a thanks at the end of the claim, which is nice enough for the adjuster but really isn't a glowing ray of sunshine for the rest of the industry.
As an independent adjuster, it used to be easier to put an insured/claimant's mind at ease that I did not really have a vested interest on the outcome. With insured's it was easier as I would be upfront that the more damage that was found the more my company made. After Katrina and the media landfall that followed this even stopped working. This coupled with money hungry attorneys, contractors, PAs, and carriers caused me to leave adjusting and get into risk management/underwriting. So I guess I could not handle the stress.
On the bright side, I found that although I could not change the public's perception of an adjuster I could change the insured/claimant's perception of myself as an adjuster when I handled their claim properly and gave them the respect they deserved. This got me additional work from some service orientated carriers and myself a piece of mind. At the end of the day only the adjuster knows how they performed, and it may sound corny but you change one insured's mind at a time. …….I know, at that pace it will only be a couple hundred years to change the world.
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Dasfuk.
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| Posted: Mon Feb 11, 2008 11:34 am Post subject: |
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| I think that good customer service goes a long way in any industry and if you treat people like human beings that will have respect for you as a person. When I have been in accidents, I do realize that the adjuster is the adjuster is the guy or gal, between myself and the insurance company, I have found that most adjuster will be happy to advise me on where to take my vehicle and etc, the little things. I may have been lucky, have only had to deal with adjusters twice in my life time, but both have treated me kindly and I believe honestly. I in no way ever associated the adjuster with the insurance company or the policy though. I have switched companies and don't think about the adjusters name when I remember something about an old claim, I usually remember the company. |
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goodnatured
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| Posted: Mon Feb 11, 2008 12:50 pm Post subject: |
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| Quote: | | On the bright side, I found that although I could not change the public's perception of an adjuster I could change the insured/claimant's perception of myself as an adjuster when I handled their claim properly and gave them the respect they deserved. This got me additional work from some service orientated carriers and myself a piece of mind. At the end of the day only the adjuster knows how they performed, and it may sound corny but you change one insured's mind at a time. …….I know, at that pace it will only be a couple hundred years to change the world. |
Good points Dasfuk, and that's what I do, I've always tried to live my life (private and professional) driven by the Golden Rule and treat everyone as I would like to be treated...you're right, no one writes in about me hauling them and their kids all over town after a wreck, or me driving 200 miles to get a part to a shop quicker because I feel so bad for the single mom, out of a car, and if I didn't her repair would take four days longer...
I've actually been thinking about going the independent route, have always been a company adjuster (two different companies) because I figured I could work however much I wanted, I'm not in a hurricane state, (hail/tornadoes though)...you found it not to be a good area to work? Just curious, maybe (if you don't mind) you could start another thread, re: pros and cons of independent adjusting as opposed to working for one company...?
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Lori
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| Posted: Mon Feb 11, 2008 7:24 pm Post subject: |
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| Does this mean thet some insurance companies have their own adjusters and some hire independant ones? I know there are people out there that get old damage done to their cars or trucks or homes fixed along with new damage.If it is an independant one can the owner of the policy pick the adjuster? |
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hummingbird
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| Posted: Tue Feb 12, 2008 4:31 am Post subject: |
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Hummingbird:
That's exactly what it means. Most larger carriers, State Farm, Allstate, Nationwide... have enough adjusters on staff that they can usually handle their own claims. Independents come in handy for these companies in areas where they don't have staff or in CAT situations when there are too many claims. Smaller carriers almost always use independents, and no the homeowner does not get to choose their adjuster. The carriers usually have an agreement with one or more adjusting firms or individual adjusters. An adjusting firm is a company that has its own staff of indpendent adjusters or is contracted with those adjusters. An individual adjuster is just that a one or two man team and is a "true" independent.
Also, being an independent doesn't mean that I had the final say... everything had to approved by the insurance company. I think I had authority to write checks for two companies, but that is rare.
Lori, I have some pros and cons. I will have to wait till a later date to post.
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Dasfuk.
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| Posted: Tue Feb 12, 2008 11:39 am Post subject: |
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Awwww, see Lori, now that is just good customer service, you go above and beyond for your clients, now I would remember your name, for real. But I would associate your name with the company that you work for though.
I know that you probably have a lot of satisified, happy customers out there that probably don't even realize that doing all that is not part of your job that you are doing it because you are Lori, not because you work for the ABC company. |
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goodnatured
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| Posted: Tue Feb 12, 2008 12:11 pm Post subject: |
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You know the old saying, screw something up and that person will tell about twelve people who in turn tell twelve people etc...do something great...no body hears about it! ha ha...that's life, we have all the time in the world to complain, but none to thank/praise...I personally try and make it a practice, when I get exceptional service no matter where, resturant, grocery store etc...to find a boss and tell them....we all need a pat on the back once in a while, and all jobs are this way, no matter what you do....bitchin' and complainin' come easy for some reason, praise does not! 
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Lori
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| Posted: Tue Feb 12, 2008 4:11 pm Post subject: |
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| Well,If someone did something exceptional for me ,I would tell people. I always have.But thats just me ,but if they screw up I also squeal louder! |
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hummingbird
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lakemen
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