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How Insurance Claims Work and How to Deal with Insurance Claim Adjusters



How you deal with an adjuster can make a large difference on getting your claim handled the way you want it. In this video I go over the process you should take to make sure it goes as smooth as possible.

Claims adjuster tips here could help your adjuster to get your claim through faster.

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DISCLAIMER:
Please consult your agent before making any changes you feel you are not knowledgeable with. Due that the laws being different in each state, I am not responsible for any changes or updates that may have occurred after the making of this video.

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28 thoughts on “How Insurance Claims Work and How to Deal with Insurance Claim Adjusters”

  1. None of this will work. Literally none of it will work. Not even the insurance commissioner, as they have no authority to force the insurance to do anything. Open the claim with the insurance. Negotiate in good faith. When, not if, when, they try to mess you over on your car anyway(and they always do), give them 10 days notice, and file in small claims. Only then will you get results.

  2. There's no way, the insurance adjuster just wants to get the claim through quickly so they don't lose a client and they're not concerned about money, I've heard this before and no one can make me believe it. The companies have shareholders, board meetings, Ceo's etc. There is no way you can tell me that by an insurance company paying out less on a claim, that doesn't affect their bottom line.

  3. I got rear ended while stopped at a stop light. It was a 4 car pile up. The at fault driver has allstate. Allstate is claiming a limits issue. But I talked to the adjustor with my farm bureau insurance and he says all the vehicles are older and would easily cover property damage. Then allstate told me there is rentals and storage fees involved. But they have delayed inspecting our vehicle to determine damage so they are driving storage and rental costs up by the day. It has been 11 days and they refuse to inspect our vehicle to see whether or not the insured limit has been reached. When I asked why they delayed the inspection, as it is increasing storage and rental and towing costs, they cited the limits issue. They are delaying in order to make the limits issue a self fulfilling prophecy.

  4. What if I want to reinspection and they are denying it? Saying they will reinspect it during the supplement, but I only want my check but the original estimate was way too low. I got a real estimate from the body that they are affiliated with

  5. Thank you, fantastic information I wish I had known. 4 years later, only now getting diagnosed with many issues as I didn’t have a physician at the time and wasn’t working.
    Stalling, preventing me from getting diagnosed ( hospital were sending me to places that wouldn’t help me) delaying more treatment options.

    As a strong fully mobile 60 year old fit woman with only mild arthritis.

    Tried telling me that I had all these issues before.

    I went from being able to hike 3-4 hours with my dog. Driving , sleeping , caring for myself and finding a new career as I was in the middle of changing when covid arrived. Oct /20

  6. I asked my insurance company to put windshield GM my Saturn original brand 🥶They told me no have to be aftermarket. And All insurance do not put an original parts 🤷‍♀️Hope somebody could help ?

  7. It depends what kind of agent that you are dealing with… If it is a captive agent, they are required under contract to advise the carrier they are working for to still inform them of any accident that one of their insured have had, even if they do not file a claim and pay for it themselves. They have the right to charge a premium on renewal for the risk. If people are going around hitting curbs or whatever and just paying it for themselves, it is just a matter of time before that their insurance company is going to have to pay for a much larger accident because this driver sucks as a driver, and doesn't pay attention.

  8. So for instance. I had an engine replacement for 6000$ At the time of the accident, It it had only 17000 miles on it. Well within warranty.
    I feel I should be reimbursed for percent of this loss. It was a big investment.
    The claims adjuster is telling me they don't pay for repairs. They say they are not legally required to do so. They are totaling it without tallying in all the recent money put in the car.
    What should I do? Help!

  9. I had a drunk driver hit a fire hydrant which flooded around and under our house for 5 hours. I couldn't figure out how to get ahold of the drunk drivers Insurance because it wasn't on the police report. But I finally got it and they wouldn't even send an adjuster out and are making me do all the work.

  10. What about when you’re going through the other insurance company of the driver who hit my car and damaged a few others? It’s been a month and I have no rental Andy car is still not fixed. They are saying they can’t do anything until they have all the amounts for each car or whatever saying they only have 25k for payout. I’m sure they have more they can dip into they are bugging. As of right now my damages are 5k – I was the first one to call and the first one to get an estimate. She said to get a rental and keep records but if they are saying they might not be able to pay how am I suppose to get a rental when they are saying they might not even cover all my costs. This is so frustrating.

  11. Maybe the adjuster had a bad day?! More like a bad 2 1/2months. My claims adjuster never answers the phone. Im trying to have them come out a take a look at the damage and they approved my claim in absentia. Had a flood issue, the mitigation guys came out and they still wont approve a D&R for my tub because of the ruined insulation on the exterior wall. What the hell do I do at this point? All I want is for them to do is to remove the bad insulation and add it to the claim.

  12. I had a minor fender bender in which I was found at fault due to the fact that I rear ended someone on the freeway at low speeds, my insurance provided me a preliminary estimate only on photos they requested I personally take which was fairly low at 1,100 so they cut me a 600 dollar check (500 dollar deductible) so I went to my local body shop and they inspected it in person and they quoted me 2,700, I told this to my insurance and they told me to tell the body shop to do a "supplement" my question is am I able to request my insurance to pay the supplement directly to me instead of the body shop?

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