Understand What Role The Adjuster Plays In The Negotiations

Claimants seldom have a face-to-face meeting with an insurance adjuster. Yet, such a meeting could take place, if the adjuster has agreed to attend a mediation session. Still, even claimants that talk with an adjuster on the phone should understand the adjuster’s role in the negotiation process.

Adjusters help to resolve personal injury cases.

Most adjusters have no medical or legal training. Each of them tries to please the insurer. The insurers study each adjuster’s ability to achieve 3 goals. Personal Injury Lawyer in St. Catharines knows that insurers study the amount of money that has been awarded to the claimant in the final settlement. The less money offered to the claimant, the greater the insurer’s satisfaction with that particular settlement.

Insurers examine, as well, how quickly a given claimant settles. A list of the insurers’ goals also includes the adjuster’s ability to solve claims without involving either a supervisor or the insurance company lawyers.

The types of claims handled by an adjuster:

The adjuster’s experience determines the nature of the claims that he or she will be expected to handle. Those without much experience normally handle claims for an amount between $5,000 and $15,000. Those with more experience take care of claims for $15,000 to $50,000.

The fact that each adjuster’s experience determines the nature of the claims that he or she handles highlights an important feature of the adjuster-claimant relationship. A claimant may know more than the adjuster about any given accident. Consequently, someone that has filed a personal injury claim should keep that fact in mind, when negotiating with the adjuster at the defendant’s car insurance company.

Adjusters can zero-in on a claimant’s weak points, because there is little chance that a given adjuster will come face-to-face with a given client. That facts helps them to focus on achieving the goals set-out for them by an insurer’s expectations. On rare occasions, an adjuster’s time might include a period when he or she does look into a claimant’s eyes. That could happen at a mediation session, if both parties had agreed to one. Insurers do not push their employees to attend such a session. They understand the extent to which adjusters’ mindsets can get changed, by a need to look into a claimant’s eyes.

How mediation contrasts with adjusters’ mindsets:

Their minds embrace the confrontational nature of the traditional method for resolving a personal injury claim. In contrast to that mode of thinking, a mediator encourages the creation of compromise. Mediators hope that both sides will feel like winners at the close of a mediation session. An adjuster’s boss does not have that sort of mindset. Consequently, that boss’ employee (the adjuster) struggles to function where 2 sides are supposed to agree, not confront each other.

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