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”. 

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
Defence 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 grey 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.