by Guest » Fri Sep 14, 2007 01:13 pm
Although, I have been at this job a long long time, there is still not a month that goes by that someone doesn't make a comment like, 'I know you're paid to save the company money, or It's your job to pay the least amount possible, (right out say), You're paid to screw us over I understand that'. When in fact that is not true, I am paid (among many things) to put the injured/damaged person back into the same position they were in prior to the loss, or to make them 'whole' again. My pay has zero effect on the dollar amount I pay, nor have I ever screwed anyone, or been asked to by an employer. Should I return them to pre-accident condition in the most economical way possible? Of course. But I grocery shop the same way, (most economical).
Of course I immediately ''correct' them, and agree there are good and bad in all professions, but I don't automatically (nor does anyone else I'm sure), assume all Priests are bad, due to the horrific actions of a few.
In a world that has gone absolutely "PC" crazy I am amazed at the number of folks that 'normally' are very PC, not having any trouble intimating, that an insurance adjuster is synonymous to shysters, crooks, paid hatchet men etc. When these same people wouldn't think of ever drawing a conclusion, much less vocalizing it to the person directly.
I'm asking, two things as an industry what can we do to change this stereotype? And on a personal level, (because I do take it personally, I live life by the 'golden rule' and having my character attacked, questioned or challenged is very upsetting to me), how do you handle the stress and upset of this?
Thanks, looking for some thoughts/feedback, or things that have helped others.......
lori
Of course I immediately ''correct' them, and agree there are good and bad in all professions, but I don't automatically (nor does anyone else I'm sure), assume all Priests are bad, due to the horrific actions of a few.
In a world that has gone absolutely "PC" crazy I am amazed at the number of folks that 'normally' are very PC, not having any trouble intimating, that an insurance adjuster is synonymous to shysters, crooks, paid hatchet men etc. When these same people wouldn't think of ever drawing a conclusion, much less vocalizing it to the person directly.
I'm asking, two things as an industry what can we do to change this stereotype? And on a personal level, (because I do take it personally, I live life by the 'golden rule' and having my character attacked, questioned or challenged is very upsetting to me), how do you handle the stress and upset of this?
Thanks, looking for some thoughts/feedback, or things that have helped others.......
lori
Posted: Sat Mar 15, 2008 10:57 am Post Subject:
Great comments MB....sounds to me like you are one of the great agents that still take care of your customers...great to have you on the boards..
Posted: Mon Apr 07, 2008 02:47 am Post Subject: news
just came across this website and I love it!
Posted: Mon Apr 07, 2008 07:43 am Post Subject: Welcome to the community forums!
Welcome paco !!!
Why don't you keep participating for a couple of regular hours each day. I'm sure you can relate yourself to all the problems & benefits that are getting discussed across the forums over here. May be you could end up helping others as well.
Regards :)
Lakemen
Posted: Mon Apr 07, 2008 10:23 am Post Subject:
Great Paco....welcome, and glad you found us !
Posted: Tue Apr 08, 2008 01:46 pm Post Subject:
Welcome, hope you enjoy your stay here and become a contributing member, I am sure that you will find a lot of good and useful information here. Again, welcome, enjoy your stay.
Posted: Fri May 23, 2008 05:14 am Post Subject: The Truth About Claims Adjusting
There is absolutely no benefit to the claims adjuster to delay payment or not pay you what you are rightfully owed and can prove that you are rightfully owed. In fact, most companies rate their employees on how quickly and consistently they resolve claims.
Adjusters need to justify everything they do, every payment they make. They don't try to pay anyone less than they are owed.
The people adjusters deal with, both insureds and claimants, are the ones trying to get one over...they lie about everything from the facts of the accident to the severity of damages/injuries to even who was driving the car! The adjusters' job would be significantly easier if the facts of the accident were even somewhat consistent between the drivers involved.
If everyone was honest, adjusters could give them a checkbook and let them pay themselves. Someone has to guard the cash box and make sure people only take what is rightfully owed to them. And then let the lawyers take one third of that :P
Posted: Fri May 23, 2008 11:56 am Post Subject:
anonymousadjuster
great post! and welcome to the community..hope you stick around.... :)
Posted: Wed Sep 03, 2008 10:21 pm Post Subject: Why Do Insurance Adjusters have to Yell At a Claimant
I can understand being forceful in trying to avoid insurance fraud. But if an insurance adjuster actually yells at me, is there something I can do?
Posted: Thu Sep 04, 2008 12:33 am Post Subject:
But if an insurance adjuster actually yells at me, is there something I can do?
ABSOLUTELY! Why on earth would an adjuster 'yell'? What happened, what are the circumstances, and do you have a witness? There is no need that I can think of (other than self defense) that an adjuster should be yelling at you....let us know the situation, and we'd be happy to provide some advise...again, I've raised my voice a handful of times in over 20 years, (maybe five or six) and that has been in (verbal) self defense, at someone that was yelling at me....in an attempt to regain some mature level of conversation...I have though also hung up on people if they wouldn't stop yelling or cursing, but I always have warned them first... :wink:Posted: Tue Oct 06, 2009 08:00 pm Post Subject:
"A good insurance adjuster is a brain-washed adjuster. I can't get a single answer from those I've dealt with. Let me explain something, a half truth is a lie. My adjuster says things like, " I don't handle your medical needs. " Technically, she does, but wants to pass the buck to someone else in the department who is the medical expert. Meanwhile, her name pops up everywhere in my case file. Next, she asks questions which are being recorded all the while claiming I have the wrong person.
Claims adjusters are generally rude, arrogant, and unhelpful. That's why adjusters have a crap reputation! Lying to yourself doesn't change a thing."
I'm an automobile claim adjuster. I can tell you who caused the accident. I can tell you how much it will cost to repair your car. I can't tell you anything about your medical bills. There's another 'flavor' of adjuster called a medical or PIP adjuster that specializes in that aspect of the claim. However, claims are organized by 'feature'. The damage to your vehicle is a feature that's paid for by your collision coverage. The damage to the other person's car (if it's your fault) is another feature under your property damage liability coverage. Your medical expenses are another feature covered by your medical payments or personal injury protection coverage. In many companies each feature, or at least the physical damage versus the medical costs, will be handled by a specialist in that field. With that said many companies assign a 'file owner' and that person's name will appear on many of the documents related to the claim. The file owner will typically be the physical damage adjuster (not the appraiser that sees your car - the guy behind the desk), but that doesn't mean the file owner knows enough about your medical bills or how that coverage works to correctly answer your questions.
You got transferred because the file owner wanted to put you in touch with somebody who can give you the right answers, not because he or she wanted to pass the buck.
Have a little respect. We're not out to get you, we're just doing our jobs so we can pay our bills. We face anger, suspicion, and ignorance on a daily basis and I can tell you this job is not for the faint of heart or the easily insulted. Don't forget that the person you're talking to or about is a person just like you.
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