Insurance adjusters - Do they secure your interests?

Submitted by Anonymous (not verified) on Fri, 09/14/2007 - 13:13

Although, I have been at this job a long long time, there is still not a month that goes by that someone doesn't make a comment like, 'I know you're paid to save the company money, or It's your job to pay the least amount possible, (right out say), You're paid to screw us over I understand that'. When in fact that is not true, I am paid (among many things) to put the injured/damaged person back into the same position they were in prior to the loss, or to make them 'whole' again. My pay has zero effect on the dollar amount I pay, nor have I ever screwed anyone, or been asked to by an employer. Should I return them to pre-accident condition in the most economical way possible? Of course. But I grocery shop the same way, (most economical).

Of course I immediately ''correct' them, and agree there are good and bad in all professions, but I don't automatically (nor does anyone else I'm sure), assume all Priests are bad, due to the horrific actions of a few.

In a world that has gone absolutely "PC" crazy I am amazed at the number of folks that 'normally' are very PC, not having any trouble intimating, that an insurance adjuster is synonymous to shysters, crooks, paid hatchet men etc. When these same people wouldn't think of ever drawing a conclusion, much less vocalizing it to the person directly.

I'm asking, two things as an industry what can we do to change this stereotype? And on a personal level, (because I do take it personally, I live life by the 'golden rule' and having my character attacked, questioned or challenged is very upsetting to me), how do you handle the stress and upset of this?

Thanks, looking for some thoughts/feedback, or things that have helped others.......
lori

Posted: 14 Sep 2007 01:15 Post Subject: re: above question

I do not know why this is showing as "guest", I am and was logged in when I posted it.....are all questions/queries 'guest'? sorry, lori

Posted: 14 Sep 2007 05:08 Post Subject:

Lori- While I am not in the Insurance industry- I deal with that in my profession, and have alot of professional friends in different fields that deal with this.

I have always thought the insurance adjuster was there to help me, but I was raised in the insurance industry through my father.

I think alot of people don't understand the concept of making whole. That's why our courts are filled with frivolous lawsuits. People want to make an easy buck, and suing and insurance are a way they think it can be done. They don't understand that it is not to make you come out better than you ever were, but to put you back to where you were and thus, make you whole.

I don't take alot of personal attacks too personal anymore, guess it's my age! I know what I am doing and the reasons I am doing it-that's good enough for me. But I also do not become anyones' doormat and let them bully, harass, or intimidate me by making false claims either.

This is good food for thought and I am sure others' with more experience will come along and pos..Thanks..KAren :D

Posted: 15 Sep 2007 06:31 Post Subject:

Hi lori,

I believe that there were nothing personal in those comments. It is just a generalized view that the ‘insurance adjuster' works for the insurance company. Actually the problem lies in our point-of-views. We all have the habit of exaggerating our losses. We all feel that our losses are more than anyone can fathom. Therefore, the claimant party always feels that their loss is not being measured properly. And as the insurance adjuster is the person who interacts with them directly the blame inevitably falls on them. But, don't let their yells divert you from your objective.

I am sure that you have been long enough in this profession to understand this mindset. So, don't worry and keep up your good work. And also keep posting at ampminsure because we will always appreciate your valuable comments.

Regards,
Juanita

Posted: 16 Sep 2007 10:28 Post Subject:

Thanks Juanita and Karen, great comments, look forward to any other posters with thoughts. lori

Posted: 16 Sep 2007 04:53 Post Subject:

Look at it this way... what does the public say about attorneys? Yet, when someone gets a bump on the rear bumper who do they love? So really it's a question of adversity... not the occupation or the general perception. When someone tells me that the insurance company is there to pay as little as possible I let them know I agree 100%... it's just like every business. I ask them if their employer expects to spend as little as possible and also have the greatest revenue. This ends that line of thinking pretty quick.

Regardless of what type of claim I'm settling, I always just try to give the claimant enough information to make their own decision. If it appears that they are just dragging their feet, I'll light a little fire under their butts.

I agree with Juanita, the insurance adjuster is holding the bag of money and it's the adjuster's job to stop people from stealing from it. Many times you are going to rub people the wrong way... but it's a fact that many... many... people who file claims want more then they are entitled to. I can certainly understand that and frankly don't really have an issue with it. As long as I _don't_ have an issue with it and understand that it's human nature, I can continue to be effective.

Posted: 17 Sep 2007 12:08 Post Subject:

I like the lawyer and bag of money analogies!! :lol:

I guess what has always 'put a burr under my saddle' is that it is generally accepted and considered ok to have the preconceived notion that claims adjusters are (as a part of their job) going to try and 'screw' or 'get to them'. I know I do a good job, and have never 'got to anyone'. I just think it strange that as an insurance adjuster we are one of the few (including lawyers as you so smartly pointed out tcope), professions that it is acceptable to sterotype, or profile in that way.

Posted: 17 Sep 2007 03:15 Post Subject:

I just consider it the nature of the business. We are in the position of helping people after a loss and making their situation "right" but we also nickle and dime payments, make people jump through hoops, and try to pay as little as possible every time. At best, it's walking a fine line. Then you have all the attorneys ads telling people how big and bad the insurance companies every single day.

For awhile now I've worked as a field adjuster and this makes a big difference. If people know they will/can see you in person, they tend to be more civil. Also, people will tend to say almost anything over the phone but in person they tend to be much more polite.

Posted: 03 Nov 2007 05:03 Post Subject: Ha

You obviously work for a different company than I do... I am definitely a paid shyster and this is the third largest insurance company in California.

Ever seen The Incredibles? The part where Mr. Incredible works his "day job" as an insurance adjuster and tells the elderly lady how to beat his own company? Haha. Way too true.

Then again my company has the worst customer service rating in the industry so I suppose you get what you pay for when you get insurance.

Posted: 04 Nov 2007 12:25 Post Subject:

You obviously work for a different company than I do

Maybe not, does company name begin with the first half of the alphabet or last? Or are your SURE you are the third largest in AUTO?

Let me know and we'll talk some more...I do not feel like a shyster. I wouldn't work for a company like that, HOWEVER I do have my own problems! :wink:

Posted: 04 Nov 2007 04:00 Post Subject:

Lori, I do not envy your job at all. As this world get more greedy, so shall your job become more of a challenge.

Posted: 04 Nov 2007 09:42 Post Subject:

As this world get more greedy, so shall your job become more of a challenge.

I think you are correct!

Posted: 07 Feb 2008 07:37 Post Subject: Claims Adjusters

:roll: A good insurance adjuster is a brain-washed adjuster. I can't get a single answer from those I've dealt with. Let me explain something, a half truth is a lie. My adjuster says things like, " I don't handle your medical needs. " Technically, she does, but wants to pass the buck to someone else in the department who is the medical expert. Meanwhile, her name pops up everywhere in my case file. Next, she asks questions which are being recorded all the while claiming I have the wrong person.

Claims adjusters are generally rude, arrogant, and unhelpful. That's why adjusters have a crap reputation! Lying to yourself doesn't change a thing.

Posted: 07 Feb 2008 11:52 Post Subject:

Im Not A Monkey

Interesting choice in screen name... :roll:

A good insurance adjuster is a brain-washed adjuster

This is an absurd statement, but most of this post is as well....I've been in this business for 21 years, and let me tell you whether you be a Monkey or not, NO ONE has ever brain washed this old gal...

Let me explain something, a half truth is a lie

No kidding? Kind of like what you are putting out here?

My adjuster says things like, " I dont handle your medical needs. " Technically, she does, but wants to pass the buck to someone else in the department who is the medical expert.

Many companies 'specialize' meaning one adjuster handles the physcial damage another injuries, another coverage, and investigation....

Meanwhile, her name pops up everywhere in my case file.

There is in all companies I know of a FILE OWNER meaning one adjuster that manages the entire file, that is what this adjuster does....

Next, she asks questions which are being recorded all the while claiming I have the wrong person.

What are you afraid of? Did she not tell you that you were being recorded ? Not that she has to, most state law says only ONE party of the conversation has to be aware it is being recorded....so what? She wants you to talk to the adjuster that is handling the actual injury portion of your claim....why do you have a problem with that and how is any of this a lie?

I can't get a single answer from those I've dealt with.

This isn't true you just said she answered you that a different adjuster is handling your injury....geeze...

Claims adjusters are generally rude, arrogant, and unhelpful. Thats why adjusters have a crap reputation!

YOU want to talk about rude, arrogant, and unhelpful, Monkey you have defined all of these terms in your post !

Lying to yourself dosen't change a thing.

Who's lying? Other than you and your half truths?

I don't know when I've read a more unintelligent, uninformed, off the wall post...have a banana!

Posted: 08 Feb 2008 10:40 Post Subject:

Lol, Lori, you giving out bananas now.

I not a monkey, I think you made a pretty insulting statement here, maybe you had one bad experience or what you have viewed a bad experience, does not mean your statement is true.

I think when insurance companies are handling claims there are items that take a while to work themselves out and when people who are "suing" don't have all the answers in the amount of time that they expect them, then they start the insultive behavior that you have demonstrated here.

An insurance claim requires a thorough examination, requires tons of information and verification of the information. Why would you want someone half***ing your claim?

I think your comments were totally out of line here, please be a little more respectful, their are insurance professionals on this site who may take offense when you make a generalized statement like that.

Posted: 09 Feb 2008 05:36 Post Subject:

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.

Posted: 09 Feb 2008 11:41 Post Subject:

Wow Hummingbird have you ever come a long long way since joining this great community!? :D 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!

Posted: 09 Feb 2008 07:52 Post Subject:

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)

Posted: 09 Feb 2008 08:03 Post Subject:

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...?

Posted: 10 Feb 2008 02:20 Post Subject:

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!

Posted: 10 Feb 2008 12:20 Post Subject:

contact lakemen

Posted: 11 Feb 2008 08:03 Post Subject:

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.

Posted: 11 Feb 2008 11:34 Post Subject:

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.

Posted: 11 Feb 2008 12:50 Post Subject:

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...?

Posted: 11 Feb 2008 07:24 Post Subject:

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?

Posted: 12 Feb 2008 04:31 Post Subject:

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.

Posted: 12 Feb 2008 11:39 Post Subject:

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. :D :D :D

Posted: 12 Feb 2008 12:11 Post Subject:

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! :roll:

Posted: 12 Feb 2008 04:11 Post Subject:

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!

Posted: 13 Mar 2008 06:24 Post Subject: Do keep in touch & help others!

Hi Johnny Sportcoat,

Welcome to the community!

Your post has been shifted to the following page in order to gather a better user-response:
http://www.ampminsure.org/claims/accident-claimant.html

Regards,
Lakemen

Posted: 15 Mar 2008 05:27 Post Subject:

I think there is a way to make the adjuster's image better but it seems like the industry is going the wrong way to make it happen. It's going to take the whole industry to do it.



First, the agents. As an agent, I always informed my clients before filing a claim. I would sit with them, go over the details, make sure it was something that would excede their deductibles and how the claim should play out. I'd educate my customers and let them know what to expect, but never set expectations even a new adjuster couldn't meet. I also let them know that they could contact me during the process if there were any communication problems.

Also, as their agent, I listened to them and made sure each customer knew what coverages they were buying and had a good understanding of the policy they purchased. Too many people came to me for a quote and had no clue what they had or what their coverages meant.



Secondly, the carriers need to quit automating everything. I know people love the idea of buying insurance online and shop on their own time, but are most of the people buying policies online truly understanding what they are buying? I'd have to say a majority do not since many people I talk to don't. When a customer is not properly educated in the coverages they are purchasing, the adjuster is going to be the one who hear the brunt of the customer's frustrations when a claim is denied because they opted out of that coverage.

Carriers are also pushing customers to call the claims offices directly about claims, when many times, the claim should have been filed on the other party's policy. Instead, the insured has a claim opened then closed, possibly losing discounts for having no claims. This comes into play mainly when they shop for insurance later. Carriers are moving more and more towards huge call centers with people thrown into a 1 week crash course training on insurance rules for a state across the country from where they're at.



Third is the adjusters. Some adjusters just do not put themselves in the customers shoes. The customer probably bought their insurance online, thinking they knew what they needed, talked to someone in a call center who had to keep his/her phone calls under 2 minutes to meet quota, and was forwarded to the claims office after waiting on hold for 30 minutes and being transferred 4 times.



And last but not least, it will take the customers changing their views. When adjusters deal with these types of comments before even investigating the claim, it eventually affects them. Adjusters get burned out and begin being short with customers and letting their stress get the best of their judgement.


True personal service is truly losing out to efficiency and cost cutting and while this is happening, those of us still dealing with customers face-to-face are having to cope with the consequences of the industry truly losing touch with it's customers.

Phew, sorry to rant.....but it felt good.

Posted: 15 Mar 2008 10:57 Post Subject:

Great comments MB....sounds to me like you are one of the great agents that still take care of your customers...great to have you on the boards..

Posted: 07 Apr 2008 02:47 Post Subject: news

just came across this website and I love it!

Posted: 07 Apr 2008 07:43 Post Subject: Welcome to the community forums!

Welcome paco !!!
Why don't you keep participating for a couple of regular hours each day. I'm sure you can relate yourself to all the problems & benefits that are getting discussed across the forums over here. May be you could end up helping others as well.

Regards :)
Lakemen

Posted: 07 Apr 2008 10:23 Post Subject:

Great Paco....welcome, and glad you found us !

Posted: 08 Apr 2008 01:46 Post Subject:

Welcome, hope you enjoy your stay here and become a contributing member, I am sure that you will find a lot of good and useful information here. Again, welcome, enjoy your stay.

Posted: 23 May 2008 05:14 Post Subject: The Truth About Claims Adjusting

There is absolutely no benefit to the claims adjuster to delay payment or not pay you what you are rightfully owed and can prove that you are rightfully owed. In fact, most companies rate their employees on how quickly and consistently they resolve claims.

Adjusters need to justify everything they do, every payment they make. They don't try to pay anyone less than they are owed.

The people adjusters deal with, both insureds and claimants, are the ones trying to get one over...they lie about everything from the facts of the accident to the severity of damages/injuries to even who was driving the car! The adjusters' job would be significantly easier if the facts of the accident were even somewhat consistent between the drivers involved.

If everyone was honest, adjusters could give them a checkbook and let them pay themselves. Someone has to guard the cash box and make sure people only take what is rightfully owed to them. And then let the lawyers take one third of that :P

Posted: 23 May 2008 11:56 Post Subject:

anonymousadjuster
great post! and welcome to the community..hope you stick around.... :)

Posted: 03 Sep 2008 10:21 Post Subject: Why Do Insurance Adjusters have to Yell At a Claimant

I can understand being forceful in trying to avoid insurance fraud. But if an insurance adjuster actually yells at me, is there something I can do?

Posted: 04 Sep 2008 12:33 Post Subject:

But if an insurance adjuster actually yells at me, is there something I can do?

ABSOLUTELY! Why on earth would an adjuster 'yell'? What happened, what are the circumstances, and do you have a witness? There is no need that I can think of (other than self defense) that an adjuster should be yelling at you....let us know the situation, and we'd be happy to provide some advise...again, I've raised my voice a handful of times in over 20 years, (maybe five or six) and that has been in (verbal) self defense, at someone that was yelling at me....in an attempt to regain some mature level of conversation...I have though also hung up on people if they wouldn't stop yelling or cursing, but I always have warned them first... :wink:

Posted: 06 Oct 2009 08:00 Post Subject:

"A good insurance adjuster is a brain-washed adjuster. I can't get a single answer from those I've dealt with. Let me explain something, a half truth is a lie. My adjuster says things like, " I don't handle your medical needs. " Technically, she does, but wants to pass the buck to someone else in the department who is the medical expert. Meanwhile, her name pops up everywhere in my case file. Next, she asks questions which are being recorded all the while claiming I have the wrong person.

Claims adjusters are generally rude, arrogant, and unhelpful. That's why adjusters have a crap reputation! Lying to yourself doesn't change a thing."

I'm an automobile claim adjuster. I can tell you who caused the accident. I can tell you how much it will cost to repair your car. I can't tell you anything about your medical bills. There's another 'flavor' of adjuster called a medical or PIP adjuster that specializes in that aspect of the claim. However, claims are organized by 'feature'. The damage to your vehicle is a feature that's paid for by your collision coverage. The damage to the other person's car (if it's your fault) is another feature under your property damage liability coverage. Your medical expenses are another feature covered by your medical payments or personal injury protection coverage. In many companies each feature, or at least the physical damage versus the medical costs, will be handled by a specialist in that field. With that said many companies assign a 'file owner' and that person's name will appear on many of the documents related to the claim. The file owner will typically be the physical damage adjuster (not the appraiser that sees your car - the guy behind the desk), but that doesn't mean the file owner knows enough about your medical bills or how that coverage works to correctly answer your questions.

You got transferred because the file owner wanted to put you in touch with somebody who can give you the right answers, not because he or she wanted to pass the buck.

Have a little respect. We're not out to get you, we're just doing our jobs so we can pay our bills. We face anger, suspicion, and ignorance on a daily basis and I can tell you this job is not for the faint of heart or the easily insulted. Don't forget that the person you're talking to or about is a person just like you.

Posted: 01 Nov 2009 07:41 Post Subject: bad rap

has anyone looked at the insurers profits this year? HUGE and the actor tv slot? bottom line..........the insurers are not paying claims..P+C

Posted: 01 Nov 2009 03:14 Post Subject:

the insurers are not paying claims..P+C

WHAT? Where did you come up with this? I'd like to see that data..I pay claims all day long..

and the actor tv slot?

What does this mean?

Posted: 01 Nov 2009 03:58 Post Subject:

has anyone looked at the insurers profits this year?

Yeah, PLEASE share where you saw this!

P & C carriers usually run around a 100% combined loss ratio. This means that their claims losses and operating expenses are 100% of the premiums they take in. Where carriers make their money is investing earned premiums. Anyone want to know what the investment market has been like these past few years?

As far as health insurance (we were talking about P & C but most of the "news" people hear and see if actually criticizing health carriers), take a look at the following URL:

http://tinyurl.com/ykl5h4w

It states that health carriers are making about 6% profit. not exactly those huge profits the news is reporting. Of course right now it's the "in" thing to hate health insurance companies (how else is Obama going to gain support).

Posted: 01 Nov 2009 04:31 Post Subject:

racerx --- come on dude....share the info...where did you get this? :roll:

Posted: 16 Nov 2009 08:41 Post Subject: screw ee claim adjusters.

when your claim adjuster is not helpfull.screw em and just take it the next level and then and only then they will they change there practices.there are alot of hungry attorneys out there.when you respect yourself demand respect or take it to the next level.

Posted: 16 Nov 2009 11:49 Post Subject:

I guess you'd have to define "helpful" and I don't know any attorney's that would take on a lawsuit for "failure to be helpful". :? I totally with your statement regarding elevating your questions, if you cannot get satisfactory assistance from the one you are dealing with regardless of the industry.

Posted: 17 Nov 2009 06:25 Post Subject:

Ah...Lori, you're probably the right person to tell us whether complaints about an adjuster would push a carrier to get things checked by an investigator!!
Personally, I'd hire an attorney when I've real grounds and the worth of the claim is big. I'd always keep the attorney's fees in mind.

Posted: 17 Nov 2009 12:17 Post Subject:

the right person to tell us whether complaints about an adjuster would push a carrier to get things checked by an investigator!!

I don't know what you mean by investigator. But in all industrys and jobs, there are good ones (most) and rotten, lazy ones (rare)..If someone truely isn't doing their job (not to be confused with not giving the party the answers they 'want') then their supervisor should be contacting and assistance requested from them. Adjusters are no different than any other profession. If an adjuster is lazy and not returning calls (as an example)..if their supervisor is advised, then the adjuster would be talked to by their supervisor and told to "get on the ball, get their work done, and start by calling back this person! " :wink: What you have to understand is many times people complaing about their adjuster, are really complaining about not getting the answers they want...ie wanting 10k for a 2k vehicle :wink:

Posted: 19 Nov 2009 09:29 Post Subject:

on topic - all industries have stereotypes, some with good reason.

Most insurance related professionals I've found fit the stereotype pretty well i have to say - with some notable exceptions, one of which is the forums very own Lori!

I mean come on - check out that photo on the Ask Community Experts box on the right hand side! Who wouldn't want to deal with her? Looks great, big smile - If we all looked like her Insurance would be a much more popular industry! that really is a good photo.

Posted: 20 Nov 2009 07:07 Post Subject:

The insurance industry and their employees are never going to be popular.

First, most people have to pay for insurance (Auto, Home) and have no choice in doing so.

Second, insurance payments are made and nothing is received in return that the insured can hold that feels warm and fuzzy.

Third, everyone thinks insurance is too expensive (until they use it and find out on a big claim (auto, home, medical) that they have not paid as much in premiums that the company just paid for them).

Fourth, when someone has to use their insurance it is usually for a bad event in their life. It's more of an association thing then anything.

Fifth, the people that make the most money in the industry do the least amount of work (upper management, agents), but the adjusters and the like are the people that show up at the insured's door when they have a loss. They are also the ones that get yelled at and are the ones that are clawing to get by.

Sixth, claims usually go smoothly and nothing is ever reported on these. Something goes wrong and the media, courts, forums are all over it.

Seventh, just look at the current debate. Health care reform turns into health insurance reform....wonder why?


Also, 1 question not to be taken the wrong way.

I mean come on - check out that photo on the Ask Community Experts box on the right hand side! Who wouldn't want to deal with her? Looks great, big smile - If we all looked like her Insurance would be a much more popular industry! that really is a good photo.



Is this a compliment or a little creepy?

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