How to be assigned a new insurance adjuster?

Question

I was hit by a drunk driver. There were injuries involved, but medical treatment is now done. The adjuster I'm dealing with treats me like crap. Basically like I did something bad. He does not want to pay my medical despite his insured driver being 100% at fault. I am ready to settle, but he acts like he hopes I'll go away. He basically has an attitude of "what do you want" when ever I call.

I know, get an attorney, but I'm waiting to see what they might offer before I go that route. The attorney will take 40% of he has to sue, which means I've got to get a bundle over the medical bills just to pay me costs.

How common is it to request a different adjuster? Who, how, and where do I ask for this? Will they accomodate my request? Any tips on how to approach this idea? There is no way I want to deal with this same adjuster again. He is a genuine ******, for real!

I love how you adjusters all refer to medical bills as we will "consider them" This is why you always get sued and loose. I think in my case and many others, they are more then "considered" what a laughable response.

Answer 1

You can ask to speak w/ the adjusters manager and explain to them the situation, not sure though if they will assign your file to someone else.
Secondly, The company is not going to be paying your medical bills for you. They only take them into consideration when presenting you with an offer. You will have to submit your meds thru your own auto insurance or health insurance company.

Answer 2

Daren,

First off the medicals bills are "considered" because the at-fault parties company has no contractual obligation to you. Sure it is a matter of semantics but that is why we adjusters use the phrase "considered". If you are not our policyholder we do not have to automatically pay your medical bills dollar for dollar nor do we have to pay them when they come due. Any good attorney will tell you this.

Regarding the med bills the best thing you can do is have your health or auto insurance company pay them up front so you don't have to argue about them with the at-fault parties adjuster. That way all you have to do is negotiate the pain and suffering and any applicable lost wages.

If you want to try to get another adjuster you need to call the company and find out who the claims manager is and explain why you want somebody else to handle your file. Do NOT go in with an attitude! (certainly not the one you are showing here. The "considered" answer is legit ...consider it as education on a subject that you are not an expert at)

Ripping the adjuster to the claims manager will not help you at all. If you do that the mgr is more likely to deny the request and then you really have a battle on your hands. Be polite and non-confrontational with the mgr. Explain that you want to settle the claim, (music to the mgr's ears) but it seems his adjuster doesn't want to move things long.

Good Luck.

Answer 3

Talk to the adj manager. If they are a reputable company it should at least get the claim monitored more closely. You are smart not to get an attorney at this point. A word of warning...we are all in the same office and we talk about our clients, especially the ones that cause problems. It might be better to try to repair the relationship with the adj you have.

And NO...insurance companies aren't losing in court. As a matter of fact we are winning that is why the value of claims are diminishing. When I was in claims training I had to sit through 2 trials. We won both (a win being a verdict less than our last offer) and in both the medicals were reduced.

They have no obligation to you as a third party claimant. 9 times out of 10 if you treat the adjustor with respect and patience they will reciprocate. You are not his only claim; actually you are probably 1 out of 100-150. What that means is that he can't evaluate your claim and settle it overnight. By your phrasing of "you adjustors" it leads me to believe that your attitude has cost you this problem.

Good luck, start with the supervisor and go from there.

Answer 4

Im a claims adjuster, and my response is to contact the insurance company, and ask to speak to the current adjusters manager. Let them know you want a different adjuster that can be done easily. All they do is assign the claim to a different adjuster and there you go. Just tell the manager the situation, and they should be willing to help you.

Answer 5

If you dispute the company's adjuster you have the right to hire a public adjuster. Then a third party will settle the will decide. You pay for the adjuster and you and the company split the cost of the third party arbitrator.

This right is in your policy language. Read your policy.

Answer 6

Ask to take your claim to "appraisal" or mediation. This can be done in-house (no lawyers or public adjusters). You bring your bills and other damages to the table and the adversarial carrier brings a settlement offer. This method can be both successful and inexpensive.

Answer 7

Well, you ask your OWN agent for a reassignment of adjuster.

You don't have any RIGHTS on the other policy, and they don't have a duty of good faith with regards to YOU, because you are NOT their policyholder. They have NO duty to pay you AT ALL , until a judge says they have to. And if you go get an attorney now, he's going to take 30%.

If *I* were you, I'd tell this guy, hey, this isn't working out, I'm just going to file under my own policy and let them subrogate. Then do that. Remember, you AREN'T their client.

You probably don't need an attorney. But you DO need your own agent, and your own policy, to step up to the plate.

Answer 8

they prefer to verify that you had coverage on the date of loss. they could obtain any documents about your previous coverage they prefer to. this is not any longer own assistance. They were verifying that you had insurance with the previous provider with out lapse in insurance. there's a statute of barriers of three years and they could use all declare assistance or open the declare for investigative applications interior of that factor body. (3 years in maximum states) it will be nice.

Answer 9

Whose adjuster/ His co or yours?
Di you notify your insco.

If you are dealing with HIS adjustor, realize His adjustor works for His ins co.

You people are all alike.You don't notify your ins co,(who works for YOU) you don't get the anwer your want, but then you shouldget an attorney, due, due etc.
Ok, it's the otherguy's fault, but yourco will helpyouget through this. but you have to give them that chance.