Definition of Insurance Adjuster
Insurance adjusters work for insurance companies and are sent to review filed claims. There are different types of insurance adjusters such as medical and car insurance adjusters. The goal of the adjuster is to interview witnesses, review records, review police reports and talk to the claimant in order to determine who is at fault and the amount of compensation which will be awarded to each claimant.
After an accident the first step is for the insurance company to open claim file. Once the file is opened, the insurer will assign it to an adjuster and this adjuster will discuss the facts of the case with the insured driver. The adjuster will then request the official records, including the police report, if available. The adjuster will also attempt to get medical records and medical bills and they will ask you to sign a medical authorization which will allow them to request the medical records themselves. They will also ask you to provide a recorded statement.
If you have been injured in a personal injury case it is recommended that you do not sign any medical authorization or provide a recorded statement to an insurance adjuster without first talking to a lawyer. They will use this information to determine the value of your case and will want to settle. Unfortunately, if you do not know exactly how much your injuries are going to cost or you do not have experience in negotiations you may end up settling for much less than your case is worth.