Should i speak with the adjuster supervisor?

Submitted by gb298888 on Wed, 03/05/2008 - 17:02

I have been in contact with the insurance adjuster and independent adjuster for a third party injury claim. I sent a big packet including all medical bills, records, other supporting documents and a letter stating why their insured is at fault and so on. The independent adjuster had no problem that i semt them in myself. He told me i can forward everything to him if i wanted to. Now i recently spoke to the adjuster at the insurance co, and she said that it have no value to claim and she cant evaluate it because i didnt sign the form for them to get medical bills and etc. This isnt right it is legal for me to send in my own records. Should i call the supervisor?

Posted: 06 Mar 2008 09:32 Post Subject:

Hey gb298888, here you need to understand the difference of interests between the two adjusters. The adjuster appointed by the insurer will try to protect the interest of the company and its customer and thus will evaluate your claim more critically in contrast to that of the independent adjuster. Her objective will remain to give out as minimum as possible towards the claim.

The independent adjuster, on the other hand will work on your behalf. However, most time, both the adjuster work hand-in-hand in settling a claim, but the company adjuster remains the final decision maker. If you wish you can speak to the supervisor of the adjuster, but I doubt, if you'll any different response form her as well.

Posted: 06 Mar 2008 11:09 Post Subject:

You usually always have to sign a medical release. Its all part of the procedure. It is also in your best benefit to keep a copy of all bills and records for your own file. You probaly will not get any different answer from a supervisor as Ridgesimon said. The adjuster all have their own rules to follow for their company. It shouldn't be any difference if you send th records or the other people.

Posted: 06 Mar 2008 12:27 Post Subject:

The independent adjuster, on the other hand will work on your behalf

This isn't correct, unless I've mis-read somewhere along the line...the independent adjuster is hired by the insurance company...that is who they (the independent) works for...period...

It is customary that they request a medical authorization, it's fine that you sent all this info, but doesn't mean that the adjuster still doesn't need to get this information 'straight' from the doctor...very common...sign the medical authorization, and let the adjuster get on with their job....speak to the supervisor if you want but the adjuster has done nothing wrong...the independent adjuster either didn't know the rules, or was saying (as I have before as well) you can send the information in if you want, but should've followed this statement up with, 'but i'm still going to have to request it directly from all the providers as well.'

why does this bother you so badly? just curious...

Posted: 06 Mar 2008 07:18 Post Subject:

I was wondering the same thing. It sounds like the adjuster is just doing things by the book.

Posted: 07 Mar 2008 04:46 Post Subject:

If the person sends in the meds, there is nothing to prevent that person from removing certain notes from the records. As an adjuster, I always request records directly from the medical providers.

Posted: 07 Mar 2008 04:57 Post Subject:

This is difficult part being an independent. If you work for different carriers, they all require different things. Some demand the medical authorization and some don't and will accept bills and records directly from the claimant. Some want the meds in their hands as quick as possible, and some of it depends on the size of the claim.

Posted: 07 Mar 2008 01:17 Post Subject: Should i speak with the adjuster supervisor?

Lori Post: 06 Mar 2008

Post subject: Should i speak with the adjuster supervisor?

--------------------------------------

Quote:
The independent adjuster, on the other hand will work on your behalf

This isn't correct, unless I've mis-read somewhere along the line...the independent adjuster is hired by the insurance company...that is who they (the independent) works for...period...



Lori,

Maybe "Ridgesimon" meant to say *Public Adjuster*.

FK,

Posted: 07 Mar 2008 01:33 Post Subject:

You know FK, that's what I thought too after I had typed that....

Maybe "Ridgesimon" meant to say *Public Adjuster*.

Thanks for bringing that into the tread I should've... :oops: for those who don't know a public adjuster is a type of independent that 'IS' hired by the insured or claimant to represent them 'against' the carrier....similar to an attorney without the legal degree, or ablity to practice law...they are generally paid on a contengency or commission basis...many states are flooded with them, while others see none...there are varying opinions on this portion/''profession'' in the industry...(opinions don't really vary too much with adjusters though :P )

Posted: 07 Mar 2008 03:38 Post Subject:

Thanks for the info. Never even heard of a public adjuster. This field of work sure does sound complicated. Does a public adjuster charge the same rate as an atty?

Posted: 08 Mar 2008 02:10 Post Subject:

I don't know to be honest, I do know that many (not all) of them make some outlandish claims (that they can get you 100-1000 times more! :roll: on physcial damage claims!)

Posted: 09 Mar 2008 12:28 Post Subject:

So why even deal with them to begin with? Sounds like a person would just be better off fetting an atty.

Posted: 09 Mar 2008 11:26 Post Subject:

An attorney likely will not take a physical damage claim...not enough money in it.

Posted: 09 Mar 2008 05:20 Post Subject:

I don't know to be honest, I do know that many (not all) of them make some outlandish claims (that they can get you 100-1000 times more! on physcial damage claims!)

First... it was 500x more "then the initial offer", not 1000x. :)

Coming from an insurance adjuster... Public Adjusters can be helpful in some situations, almost always property losses. But unfortunately, they tend to "chase" storms and make outrageous claims in order to drum up business. They don't have a good reputation for this reason.

IMHO- your paying someone to make sure the insurance companies offer is a good one and to eliminate the need to deal with many aspects of the loss. Most of the time, you don't get paid much more then you would have otherwise.

Posted: 10 Mar 2008 11:33 Post Subject:

:lol: :roll: :D

First... it was 500x more "then the initial offer", not 1000x.

:lol: :roll: ok, sorry couldn't remember ! :lol: 100-500-1000, I was in the middle, (between 100-1000) knew it was more than 100 times... :lol: any of those 100 on up (IMO) are hugely exaggerated claims...

Posted: 11 Mar 2008 04:15 Post Subject:

There are only three reasons where I can see a PA making sense. The first is if you are a business owner and don't have the time/don't want to deal with an adjuster. The second is if you have a complicated loss (normally a commercial loss with business interruption, extra expense, large amounts of stock). And finally, if an insurer is not being reasonable in their assessment of a loss.

I once had a PA turn in an estimate for Katrina for vinyl mini-blinds. $632.00 per blind. I looked at the photos 20 times and could not find any gold or platinum trim on any of the blinds. The PA's excuse, “it must have been a type-o Mind you this was for the HO policy, the windows were boarded and the blinds were damaged by flood waters, but that's another story.

Posted: 11 Mar 2008 04:51 Post Subject:

Yuppy!! I'm happy to create the confusion :wink: it has introduced a whole new angle to the thread. :D

Yup, I did referred to the public adjuster . FK, thanks a lot for reading my mind. :) and thanks to all for adding valuable comments to it. Hope the OP is following this thread also.

Posted: 07 Feb 2014 02:57 Post Subject:

I told a person handling my settlement that I want a family friend to negotiate settlement on my behalf. She said she can only talk to me or my attorney. Is this correct or just a scare tatic

Posted: 07 Feb 2014 07:49 Post Subject:

They can talk to anyone you give legal authorization to speak on your behalf. To say they can only talk to you or an attorney is BS.

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