How to Talk to Insurance claims Adjusters? 10 Top Level Tips
10 Tips for Successfully Communicating with Insurance Claims Adjusters
How to Talk to Insurance claims Adjusters? Working with insurance claims adjusters can be frustrating, but it doesn’t have to be. When dealing with insurance claims adjusters, it’s important to remember that they are people just like you who have families and goals of their own, and who don’t necessarily want to make your life harder by denying your claim. To avoid conflict and ensure your claim is accepted, try these ten tips for successfully communicating with an insurance claims adjuster.
1) Start by explaining what happened
How to Talk to Insurance claims Adjusters? In any dispute, it’s always good to know your facts. If you want your insurance claim to be accepted, take a moment to go over exactly what happened. Make sure you know where and when something happened as well as who was involved.
This will help any adjuster understand exactly what’s going on. Explain why it was an accident: Any time someone suffers a loss because of an accident, they have legal rights. You’ll need to prove that whatever happened was an accident to proceed with your claim.
2) Provide Evidence
How to Talk to Insurance claims Adjusters? A good adjuster can be critical to a timely and fair claim settlement.
To ensure your claims are handled quickly and accurately, it is important to provide evidence in a clear, legible format as soon as possible after an incident occurs. Establish and maintain frequent communication with your insurance company’s adjuster.
Communication should include any information that may affect how you would like your claim handled, including medical records, police reports, and photographs of property damage or injuries.
Don’t wait until all facts are in; update your adjuster immediately after new information becomes available.
3) Answer Questions
How to Talk to Insurance claims Adjusters? When dealing with claims adjusters, your most important role is to answer their questions. This means you’ll want to be an active listener so that you fully understand what they’re asking and take into account any modifications that may be necessary.
For example, if a car accident has occurred, don’t just say, I had a car accident. Instead explain exactly what happened in detail, including when it happened (date and time), where it happened (what street or intersection), how many people were involved, etc.
4) Never LIE
How to Talk to Insurance claims Adjusters? There are plenty of reasons to lie about your accident. If you accidentally backed into a parked car, maybe you’ll think, Hey, I don’t want them to see my ugly bumper. I’ll just say someone pulled out in front of me.
However, lying can backfire pretty badly. If you do it too often and too blatantly, your insurance company may terminate your policy altogether.
When deciding whether or not to lie in an insurance claim report: Will it get me out of a tough situation? Could telling a little white lie to save my bacon in future (or even past) situations?
Is the truth that bad? Have I told many lies already?
5) Be Prepared For Scenarios
How to Talk to Insurance claims Adjusters? As insurance claims adjusters do not deal directly with consumers, there is a good chance you will never need to talk to an adjuster.
Even if your car or home ever gets damaged and an adjuster needs to assess it, you will likely be dealing directly with your own insurance company’s customer service department.
However, if by chance you do need to speak to a claims adjuster because of some property damage or a fraudulent claim (or something else) you must be prepared.
While many of these tips are beneficial even when speaking to normal people, tips 1-5 will help prepare you specifically for what may happen when communicating with an insurance claims adjuster.
6) Know Your Rights
How to Talk to Insurance claims Adjusters? The biggest mistake people make when dealing with claims adjusters is believing they are obligated to answer their questions.
As an insured party, you have a right to speak to an attorney or agent of your choosing about any issues relating to your claim.
How to Talk to Insurance claims Adjusters? If you’re uncomfortable answering an adjuster’s questions, don’t be afraid to tell them that you would prefer to discuss your case with someone else.
If you do choose to answer their questions, ensure that every conversation is documented; always be sure to keep records of phone calls and written correspondence.
Doing so will protect you from having information lost in translation later on down the road.
7) Avoid False Statements
Be honest. When you submit a claim, make sure you’re making truthful statements about your situation. If something happens to be missing or incorrect in your case, it could cost you down the road.
For example, if you fail to include relevant information on your insurance claim, and it later comes out that you omitted something pertinent, your claim might get rejected entirely.
How to Talk to Insurance claims Adjusters? On top of that, even small errors can have a major impact on how quickly and easily your case gets processed—and whether or not it ultimately gets approved. Make sure that any statements of fact are backed up by valid documentation.
8) Remember they are people too. Treat them like it!
The insurance claims adjuster is an actual person working in a specific department in a specific company. The last thing you want to do is make them feel like their job is anything less than noble and professional.
Remembering that these individuals are people will help remind you to always respect them. How would you want to be treated if you were on either side of their desk?
How to Talk to Insurance claims Adjusters? Exactly! Treat insurance claims adjusters well, they could end up being your best friend when it comes time to file your next claim.
Be polite: Good manners go a long way, especially when dealing with insurance claims adjusters; always keep calm, polite and friendly regardless of what happens.
9) Being calm always helps your cause
How to Talk to Insurance claims Adjusters? The adjuster knows that your claim is important to you and will try to use that knowledge against you. They know exactly how you’re feeling, so they’ll play on those emotions to sway you one way or another.
They may even seem like they are being nice when they’re insulting your character.
When an adjuster says something like most people wouldn’t have taken it upon themselves to take photos of their damage, I appreciate it! remember: just because a comment seems nice doesn’t mean it isn’t meant to put pressure on you in some way.
10) Get all documents in writing if possible
How to Talk to Insurance claims Adjusters? If your claim can be handled via email, you should ask for all correspondence to be in writing.
If at all possible, avoid conversations and stick to emails that can be saved as proof of what was said or agreed upon. It may also be a good idea to send a duplicate email just in case it gets deleted.
Don’t give advice: Do not attempt to tell an insurance claims adjuster how they should assess your claim. Let them make their recommendations; if necessary, you can submit additional information that supports your case but does not try to negotiate on their behalf.
Follow up on your communication: Once you have sent your first email or letter, keep an eye out for a response and follow up if there is no immediate feedback.
Final Words – How to Talk to Insurance claims Adjusters?
How to Talk to Insurance claims Adjusters? Communication is key when talking to insurance claims adjusters. Be persistent but not pushy. Be courteous, respectful and professional. Show them you are on their side as a customer.
Keep a record of every call and contact between you and your adjuster so there will be no questions about what was said or requested.
Know what happened, take pictures if possible, get estimates if possible, and keep receipts and invoices showing proof of payments.