2006-09-19 16:31:17 · 12 answers · asked by Daneish 1 in Cars & Transportation ➔ Insurance & Registration
#1) tell the truth
#2) stay calm, be civil
#3) give them a chance to make a good settlement BEFORE you hint around about hiring a lawyer. Nothing irks a claims adjuster like the threat of a lawyer -- because most good companies are NOT afraid of lawyers and have dozens on staff full time that will gladly take on any late-night TV scum-bag lawyer.
#4) If you happen to get a real dumb-@ss or jerk adjuster (and believe me, there are PLENTY out there) and you just are going nowhere, request (respectfully) to speak to their manager. If that is no better, speak to THEIR manager. Keep this up until you have someone you feel like you can communicate with and will trust to make a rational decision about your claim.
#5) Be reasonable -- too many people think they have hit the lottery when they are involved in an accident. A seasoned claims adjuster can smell someone trying to 'work the system' a mile away and you will lose ALL respect at that very moment. In claims, it is the rational voice that gets the grease, dude.
2006-09-19 16:43:09 · answer #1 · answered by Anonymous · 4⤊ 0⤋
Your question is too broad. Call, be honest, provide information, cooperate. Do you have a particular issue? Is it your company or someone else's that you're talking about? I concur with Cowboy Bill (I almost always do!). In spite of the bad rap that insurance companies get, they are just as interested in getting this behind them as you are, and want to be fair. Now, fair is a relative term. What is fair to you is different than what is fair to me or someone else. So don't flip out and make sure you ask for explanations.
2006-09-20 10:21:50 · answer #2 · answered by Chris 5 · 1⤊ 0⤋
Make sure you keep copies of everything pertaining to your accident and your recovery. It is also helpful (it was to me) to write down the whole accident, how you saw it happen, what happened, road conditions, anything you can think of soon as you can, because believe me the small details that may make a difference will leave you fast. Me and my family were ran off the road by a hit and run driver, and we were very lucky to be wearing seat belts or I know my husband would have died that day. We were also lucky that we had a great insurance company, State Farm that took care of us with using the uninsured motorist portion of our policy as no one got a license plate, and the jerk that ran us off the road and into a tree never was found.
2006-09-19 16:41:35 · answer #3 · answered by Dino 4 · 1⤊ 0⤋
Go to the office where you have your car insured. Inform them and submit documents they need to process your claim. In the meantime ask them their accredited repair shop so you can start your car to be repaired. Normally their accredited shop will inform the insurance company the cost of repairing your car and you will be informed for how long the repair would take. If for any reason your insurance company does not process your claim, go directly to the insurance commissioner and file a written complaint.
2006-09-19 16:46:38 · answer #4 · answered by nards pogi 2 · 0⤊ 1⤋
Without information on the specifics (injuries, nature of the accident) I would say that Cowboy Bill is right on.
2006-09-22 18:01:56 · answer #5 · answered by Spork 3 · 0⤊ 0⤋
Be persistent, and let them know you're not leaving them alone until they get on the case and do something. Also, if the agent that is supposed to be helping you isn't, go for the supervisor and they'll get in trouble.
2006-09-19 16:33:56 · answer #6 · answered by susie 4 · 0⤊ 1⤋
Get a phyical exam. You won't even have to tell them, they'll find out and be ready to deal with you before you can get a stiff neck.
2006-09-19 16:33:05 · answer #7 · answered by Anonymous · 0⤊ 1⤋
Call your agent, and let THEM deal with it . . . that's what you pay them for.
2006-09-20 04:17:22 · answer #8 · answered by Anonymous 7 · 0⤊ 0⤋
call them and make a claim
2006-09-19 16:32:32 · answer #9 · answered by Allison M 3 · 0⤊ 0⤋
find a new one and lie to keep you coverage low.
2006-09-19 16:39:22 · answer #10 · answered by Anonymous · 0⤊ 0⤋