How Adjusters Use Time Against You
It has been a week since your accident and you still haven’t heard back from the insurance adjuster. You’ve called regularly but, for some reason, you just cannot seem to catch the adjuster at the right time. They are not on lunch. They don’t have a meeting. They are not out of the office. The unfortunate reality is they are likely avoiding you.
Insurance providers are not set up as non-profits. Instead, they are businesses dedicated to increasing their bottom line by paying out as little as possible (while still retaining customers). According to the Insurance Information Institute, the insurance industry raked in $1.1 trillion in revenue throughout 2016. While there is nothing wrong with seeking to be a successful business, greed has propelled some insurance providers into utilizing frustrating tactics to push claimants into situations that increase profits.
So, as you feel frustrated with your adjuster, remember they are not bad at their job—they are doing exactly what they are trained to to.
Why the Adjuster Isn’t Calling You Back
The reasons why insurance adjusters do not return your calls boil down to one simple motivator: money. By not calling you back, an adjuster knows that they are increasing the pressure on your financial stability. They understand that the longer it takes to call you back, the more likely you are to experience hardships (e.g. getting a replacement vehicle or affording the mounting cost of medical bills). Adjusters know that the longer they wait, the harder your life gets and the more desperate, stressed, and impatient you may become.
After repeatedly delaying your settlement, adjusters are hoping they will be able force you into accepting a low offer out of desperation. It’s simple—adjusters utilize their abundance of time because they know they have more of it than you.
What Can You Do?
Claimants will sometimes choose to file with their own insurance after being dodged by the other party’s provider. However, this option is frustrating because it will cost you more money up front as you will need to pay your own deductible. If an accident was not your fault, you should not be required to pay for the mistakes of others out of your own pocket. This option is beneficial only if you need to relieve financial stress caused by the accident. Remember, you may be able to get your deductible back when your claim is finally settled with the opposite party’s insurance.
When You Don’t Want to Pay
The quickest method of getting an adjuster to abandon their stalling tactics is to obtain the help of a car accident lawyer. Once you have legal representation, an adjuster will know that their one-sided power over your settlement is over. Importantly, you do not have to pay a personal injury lawyer until after a settlement is reached. This means that you get to turn the pressure back toward the insurance company with no immediate cost to you. Our lawyers can fight to help you achieve your maximum settlement and beat classic insurance company tactics.
The Pennsylvania car accident lawyers at Handler, Henning & Rosenberg believe that victims injured due to the negligence of an individual deserve to be financially compensated for their losses. Since 1922, we have fought for the wellbeing of our clients in the state of Pennsylvania. We are proud to have 100 years of victories and are ready to apply this experience to your case today. With our resources and experience, we can fight every tactic the insurance company will use to take money from you.