2006-10-23 04:19:52 · 9 answers · asked by Sara S 4 in Business & Finance ➔ Insurance
No, a claim adjuster works for the insurance company. He is biased in their favor though in most cases they are honest. In most cases liability is clear. In an unclear situation you need to fight it out with lawyers and the courts. Only the court can determine legal fault. However, usually the parties involved come to some agreement.
2006-10-23 04:48:35 · answer #1 · answered by Superstar 5 · 0⤊ 0⤋
No. But they CAN look at case law, and see if precidents have been set, and the insurance contract gives the insurance company (and it's representatives, ie, the claims adjuster) the authority to offer a settlement.
Only a court of law determines legal fault. But the company can offer to accept liability on behalf of the insured, as you signed away that right in your insurance contract.
2006-10-23 05:54:54 · answer #2 · answered by Anonymous 7 · 0⤊ 0⤋
Absolutely not, notwithstanding their ardent persuasion that they can. Legal liability is matter of law, decided only by a court or tribunal of competent jurisdiction. In the event that they deny the claim, which is the most likely of all conceivable things, have a lawyer review the claim and, if you deem it appropriate, find a state district court and "pop" the company.
2006-10-23 08:04:56 · answer #3 · answered by incisor211 1 · 0⤊ 1⤋
They make a judgement call...they can't override items such as police reports. appraisals, etc. They may try. Your policy should have an arbitration pathway...and you always have the option of going to a lawyer if you don't agree with their assessment. Unfortunately, most policies have a clause stating that you would have to reimburse the insurance co's costs if you lose in court.
2006-10-23 14:20:43 · answer #4 · answered by a m 2 · 0⤊ 0⤋
A claim adjuster has the "obligation" to report to the Claims Dept. if he or she suspect fraud or any illegal issue. The Claims Dept. and the Legal Dept. will take care of the rest of the case
2006-10-23 04:43:07 · answer #5 · answered by lm050254 5 · 0⤊ 0⤋
Nope, just what they are going to pay
legal fault is only determined by an arbitrator or a court
2006-10-23 04:35:57 · answer #6 · answered by BigD 6 · 0⤊ 0⤋
They have much experience with crashes, but they can only assign blame for the insurance company to pay.
2006-10-23 04:22:15 · answer #7 · answered by Anonymous · 0⤊ 0⤋
not realy, they work for the insurance company, to have someone at fault it needs more than an insurance representative
2006-10-23 04:24:19 · answer #8 · answered by Rosie 3 · 0⤊ 0⤋
No, they need to go by the police report, make a judgment call, and if disputed it is up to the lawyers
2006-10-23 04:22:00 · answer #9 · answered by alanc_59 5 · 1⤊ 1⤋