Top 3 Months in which Insurance Adjusters are Swamped and Want to Settle

There are two times a year that the adjusters are swamped. November/December due to Christmas and March because lawyers have to pay taxes. Everyone wants to settle before Christmas, so they can spend more on the holidays. Taxes are due in April, so lawyers want to settle more cases to pay their taxes due in April.

So if an adjuster gets say an average of 25 cases to be settled a month, the number could double during those months. Also in November/December, adjusters like everyone else wants time off for vacation, holidays etc, so could limit the time they have to review their claims or have someone else try and pick up the slack. And as MSAD stated, it depends on the type of case, injuries etc that they review.

Some cases may have to go through several people for authority and that adds time, since until management reviews, then nothing can be done to make an offer or reject it. But you have one thing in your favor and that is that most companies want to close as many claims by the end of they year and they push the adjuster to do so. But that does not mean that the offer could come before Christmas, only that an offer could be made and the check does not come till after the 1st of the year, but then the case is closed and off the books.

Also, say the adjuster calls the lawyer on Wednesday, but they play phone tag back and forth, could be another week before they actually talk to each other. Then the lawyer calls back and once again, phone tag back and forth. Your lawyer will call you when they make an offer, since by law he is obligated to do so. good luck

12 Things to Consider When Seuing Your Own Insurance Company

1. Even if their slogan says they are on your side, they truly are not when you are asking for a settlement.

2. Insurance companies are financially able to hire the best of the best legal counsel, but this should not intimidate the honest people who are truly deserving of a fair settlement offer.

3. Suing on your own is probably not the best idea if you want to be taken seriously.

4. Going up against a large corporation may take a lot of time to get a settlement. The longer they keep their funds, the better off they are with their financial investments.

5. Your insurance premiums may go up even though they are not supposed to.

6. You might need to look for different insurance coverage due to them having the right to drop you as a customer.

7. They may have you go to an independent medical representative to consider if your injuries are real or not.

8. If you do not have an official police report saying the fault was an uninsured motorist they may attempt to find you at fault.

9. Be assured they will attempt to limit your medical coverage at all cost. However, you do have the right to see whichever doctor you prefer even if this includes a chiropractor.

10. It is always a good idea to make sure you see an MD as part of your initial treatment as they are viewed as more reputable by the insurance companies.

11. They may even refuse to pay certain bills without you knowing, which results in damaging your credit due to being turned over to a bill collector.

12. Insurance companies are professionals when it comes to dealing with being sued and they do not easily admit fault. They will use whatever bad fair tactic to get what they want including low balling, intimidation not to pay bills, false threats, delay of communication, etc.

To Sue or Not To Sue?

If you are the person who is struggling with whether of not to sue an insurance company there are a few things you can consider.

First, you have to get over any negative feelings you might have towards lawsuits. Unfortunately, the way the system is set up, at times there are no other options, but to bring suit in order to be compensated at all.

If the insurance company is not willing to work with you and are not even willing to cover your medical expenses, they leave you with no choice. You should consider suing if you feel like you have tried all attempts to get the insurance company to work with you and they are not.

If you feel you have just cause with proof you are the victim you should considering suing. If you are suing because you are greedy, you should be ashamed and this will more than likely bit you in the butt. You should never sue because of greed. The system is thankfully set up to weed out this type of scam artist.

3 Effective Ways To Deal With An Insurance Adjuster

1. Take notes – you can be legally liable if you RECORD the conversation in audio or video format, but you are free to keep notes. In my case, once I felt like I was being jerked around by the insurance adjuster dealing with my case, I began a journal recording all conversations, phone conferences, meetings, numbers, expenses, keeping all receipts and so-on. No one else will do it for you and you will be in big trouble if you need to recollect a certain detail one day and have no record and/or receipt of it in your notes. Simply said, you cannot remember it all, but you better believe when I tell you that you will need all the details you can recall.

2. If the insurance people seem to be difficult from the very beginning, please understand for your own sake, that it will only get worse. Get a lawyer. Continue reading 3 Effective Ways To Deal With An Insurance Adjuster