Insurance adjusters play a pivotal role in the aftermath of a vehicle accident, determining the liability and the amount to be paid out for a claim. However, they can also delay a crash claim, sometimes unintentionally, sometimes not. Understanding the reasons behind these delays can equip you with the knowledge needed to navigate this situation effectively.
The Role of Insurance Adjusters
Insurance adjusters are professionals who assess the damage to your vehicle, medical bills, and other costs associated with an accident. Their objective is to settle the claim for as little as possible. It's crucial to remember that they work for the insurance company, not for you. They are skilled negotiators, often using tactics designed to minimize the payout.
Reasons for Delay in Crash Claims
There are numerous reasons insurance adjusters might delay a crash claim. These can range from simple administrative issues, such as a backlog of claims, to more strategic reasons, like waiting for you to become desperate and accept a lower settlement. Sometimes, adjusters deliberately prolong the process, hoping that claimants will drop the claim or settle for less.
How to Respond to Delays
If your claim is being delayed, it's essential not to panic or make rash decisions. Keep a detailed record of all communication with the insurance company, including dates, times, and the content of the discussions. If the delay continues, consider seeking legal advice. A knowledgeable attorney can guide you through your options and help you decide on the best course of action.
Preventing Future Delays
To help prevent future delays, ensure you provide all necessary documentation promptly and accurately. This includes police reports, medical records, and proof of loss statements. You might also consider hiring a public adjuster or legal professional to help negotiate your case.
While insurance adjusters can delay a crash claim, understanding their role and knowing how to respond can help you navigate the process. Remember, you have every right to a fair and timely settlement following a crash. Don't allow delays to dishearten you or force you into accepting less than you deserve.
Contact our team if you have questions or need to discuss your case: (980) 246-2656!