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: Fri Nov 20, 2009 07:36 am Post Subject:
Well said, Dasfuk.
Posted: Fri Nov 20, 2009 11:34 am Post Subject:
VERY well put Dasfuk....There really is no 'winning' some times, with some people...
Is this a compliment or a little creepy?
:lol: :lol: naaaa, he's not creepy...he's just my very favorite poster at the moment.. :wink: wonder why? :wink:Posted: Sun Nov 22, 2009 09:31 pm Post Subject:
Lol das, don't be jealous :mrgreen: All I'm saying is that Lori doesn't fit the mould - in a good way.
You are right though, sometimes there's no way to avoid being the bad guy and fact of the matter is that prople love to have someone to blame, other than themselves.
Insurance will always be a field fraught with difficult people and situation, sometimes the best we can do is mitigate the damage.
that said, the difference between retaining a customer and losing them following a decline, is the way it's handled. Good service might only pull back 10-20% of potential cancellations (at a guess) but they are all worth having.
Posted: Wed Dec 02, 2009 05:18 pm Post Subject: Insurance adjusters have a stereotype image
Dear Friends,
Insurance companies are fund managers of risk funds entrusted to them by the insuring public, and claim adjusters do a great service in assisting proper management of these funds.
The basic concept of insurance as rightly pointed out in the discussion above, is to bring back the insured in a condition which existed prior to occurrence of loss, according to terms and conditions of the policy issued.
The things become difficult for the insured and adjusters both, on account of two reasons:
1. At the time of claim most of the customers look for higher payouts because of the limit of protection (sum insured ) chosen by them. However, the actual financial loss sustained by them are much lower due to depreciation etc..
2. Adjusters are professionals meeting insurance buyers, when they have already suffered a loss, and like any other person in the world they would not like to care for any t&c which will compel them to settle for a lower amount than what they have claimed for.
Considering the fact that non-life insurance companies world-wide are facing underwriting losses, claim adjusters play their role to keep claim cost under control to some extent (balance part is taken care by actuaries, underwriters and even mktg people) to help insurance companies keep insurance prices affordable for insuring public.
Regards,
Aryan
Posted: Thu Dec 03, 2009 12:27 am Post Subject:
Well put Ary
Posted: Thu Dec 03, 2009 01:34 am Post Subject:
Thanks Lori!
Posted: Tue Dec 08, 2009 11:11 am Post Subject: Public Adjusters
A Public Adjusters works for the property owner, not the insurance company. The highly stressful period following a loss is a difficult time for individuals and businesses. A Public insurance adjusters can take those major headaches away and let you get back to your home or business. A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs. Public Adjusters know the insurance business and are familiar with all procedures so they can work quickly to expedite payments.
(link removed in violation of TOU-lori)
Posted: Wed Nov 14, 2012 11:15 pm Post Subject: Worse than Crooks
Insurance adjusters are a bunch of crooks that care more for the bottom line than the people who were injured or the vehicle that was totalled in a crash. I was hit by a semi who failed to yield, crossed into my lane and admitted fault. After tens of thousands in medical bills, all they want to pay is for the medical bills although I'm going to be disabled for the rest of my life and they are offering about a fourth of what my vehicle is worth. It was a year ago when the accident happened and I haven't received a cent.
Do I trust insurance adjusters? No! Do I think that they are doing what is best? Also No! They only want to save their client money. They're worse than crooks in my opinion. This accident has ruined my life and I get nothing in the way of compensation. I'm more angry than words can describe! :evil:
Posted: Sun Nov 18, 2012 04:21 am Post Subject:
I'm more angry than words can describe!
FIne. What have you done to try to resolve the matter?
If you are beyond the one year point in time from the accident, in some states, you may have waited too long to file a civil action.
Now how angry are you?
You can be mad at adjusters, and you can be mad at claims department personnel. Your anger is probably misdirected at the adjuster.
If you haven't spoken to an attorney about this, you should. If you have a genuine permanent disability, if the party that caused the accident is a commercial enterprise, there is probably a million dollars or more in coverage available to pay your claim.
You do not appear to be the right kind of Do-It-Yourself claims handler.
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