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What Do Insurance Adjusters Do?

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What Do Insurance Adjusters Do?

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.
insurance adjusters

What does insurance adjuster do, and why should you know about this aspect of the insurance industry? The short answer is this: if you are ever in an accident and need compensation for your injuries, you’ll need legal help and will almost certainly be interviewed by an adjuster who works for the insurance company. Your lawyer can advise you about the best way to answer the questions, but keep in mind that the adjuster is not “on your side.”

Insurance adjusters handle injury claim like the ones you might make. Their job is to pay out the lowest amount of money possible to cover your medical costs, lost income and “pain and suffering.” So, what do insurance adjusters do? And because the terms “claims adjuster” and “insurance adjuster” are interchangeable, we should also ask, “What does claims adjuster do?”

Why You Need a Lawyer?

The mere fact that you have a lawyer to represent you tells the insurance company that you are serious about the claim you filed and are willing to go to court if need be. In every case, insurance representatives would rather deal with a claimant who does not have a lawyer. It makes their job easier and they know they’ll be able to offer you a low settlement amount without having to argue with your lawyer. Adjusters understand that lawyers know how the system works and how to proceed with strong cases.

What Do Insurance Adjusters Do?

Adjusters focus on the cost of the injury to you, both in terms of dollar-value expenses for medical treatment now and in the future, as well as any lost wages you suffered from not being able to work. Both the medical expenses and lost wages must be clearly and directly attributable to the covered accident.

Plus, adjusters verify the exact amount of policy coverage available. If, for example, the maximum amount of coverage listed in your policy is $40,000, you won’t be able to get any more than that in a settlement. Adjusters also make their own assessment, based on any data they’re able to collect, about whether your claim would be able to prevail in a courtroom if you were to file a lawsuit.

Claims vs Lawsuits

The adjuster’s job is to not only give you the lowest payout possible but to make sure the case never goes to trial, especially if you have a lawyer on your side and a decent chance of winning an award at trial. So, what’s the difference between a lawsuit and a claim?

Most injury claims, particularly small ones, are settled out of court. What does a claims adjuster do? They figure out how much your claim is worth and make you a cash offer. If you accept, then you are said to have “settled,” or taken a settlement.

If, on the other hand, you refuse the settlement offer because it is too small or otherwise unacceptable, you can pursue the insurance company in court. Any award you wind at trial is the result of the lawsuit you filed and pursued. All lawsuits begin as claims that were rejected by the injured party. The truth of the matter is, most injury claims are settled without ever going to court.

Trials are hugely expensive and time-consuming affairs. Insurance adjusters handle injury claim in the hopes that it never goes to trial. The only time an adjuster would allow a case to got to trial is if they are confident that you have a poor case or incompetent legal representation, or both.

Now that you know the answer to the question, “What does insurance adjuster do,” you should have a deeper understanding for how important it is to have competent legal representation on your side in the event of an accident.

Disclaimer: The content of this article is a general guideline made available for educational purposes only and is not intended to be used as legal advice for the reader’s specific situation nor in general. By reading our blog and website content, the reader acknowledges the above and understands there is no lawyer-client relationship created between you and Himelfarb Proszanski through this content. To get specific legal advice, we encourage you to book a free consultation with one of our lawyers to clarify the legal aspects of your situation.

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Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

Timing is Critical. Help is Free.

Don’t delay discussing your matter with us to find out how to build a winning case.

Please enable JavaScript in your browser to complete this form.

You don’t pay us unless we win your case. No Out of pocket expenses required.

Note: Your Privacy is Safe with us. We will never disclose your information to external parties.

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Sherene AlySherene Aly
16:02 23 Mar 24
I was very pleased with my decision to retain David and his team for my case. Melissa Gizzo was simply amazing and was able to secure a fair settlement for me.
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Experienced and excellent law firm. Their lawyers are wonderful, articulate, dilligent, amicable, calm, respectful, responsible, resourceful and have good human and customer relationships Especially DAN HOLLAND 👌 He is an amazing lawyer as regards dealing with any of the Accident case.I was involvedIn an accident in 2019 February. He was God sent as he dutifully and relentlessly worked hard until the case was settled
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22:43 18 Jan 24
I highly recommend Dan Holland as a disability lawyer. His commitment to my case made the process seamless. Dan's clear communication and ability to simplify complex legal matters made it easy for me to understand every step. He demonstrated genuine concern for my best interests, making him not only a skilled attorney but also someone easy to talk to.Dan’s support extended beyond legal expertise; he alleviated my stress during the long-term disability case. His calm approach and unhurried demeanour ensured that there was no rush in our collaboration. This, coupled with his dedication, made the entire experience more manageable, fostering confidence in his ability to handle the case with meticulous care.I wholeheartedly endorse Dan for anyone seeking a lawyer who not only gets results but also prioritizes your peace of mind.
Neeshanth SritharanNeeshanth Sritharan
21:49 01 Jan 24
My mom was involved in an accident impacting her daily life and ability to work. Dan Holland has worked with us during the duration of our case and has been helpful in fighting for her and supporting us, and organizing the things we needed. Our family is incredibly grateful of the outcome Dan was able to obtain for us. I would highly recommend him!
Faiza HamidFaiza Hamid
01:26 22 Dec 23
I'm so happy I chose Mena Brar and her team represet us . We could not ask for a better team she is so kind, loyal, and honest. she spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. I appreciate you. Did it for me and how this will help me get back on track with my life. keep helping others. You are doing amazing works, Mena Brar. I wish you all the best.
Brenda FurtadoBrenda Furtado
23:38 12 Dec 23
Many thanks to Silene Malhao for settling my husband's TORT claim and to Mena Brar for settling his accident benefits claim. These ladies made themselves available any time we had a question. They were very understanding and compassionate. We were completely taken care of throughout this process. We would definitely recommend this team to friends and family!
ShaunaShauna
15:52 06 Dec 23
We are so happy that we had David and his team represent us. We couldn't have asked for a better team. Not only is David incredibly skilled and experienced, he is kind and compassionate and it is clear how much he cares for his clients. Megan was also absolutely amazing to work with and was always on top of everything and there to answer any questions we had! Thank you!
Andrew CoutoAndrew Couto
23:10 21 Nov 23
I'm so happy I chose David as my lawyer. I spoke to a few lawyers before finding David and I noticed majority of them spoke to me in a way that felt demeaning or that my case wasn't big enough or important enough to take. One phone call with David and my opinion on lawyers changed. He spoke to me as an equal and made me feel as if my case was definitely important and that I deserved to be fairly compensated. The whole process was wonderful. From dealing with David's law clerk Ingrid whom is an amazing and kind woman to his legal assistant Melissa whom is another amazing kind and talented young woman. I was so stressed about this case but from day 1 they helped ease that stress and always answered all my questions promptly and respectfully. I couldn't believe David got me to mediation within 6 months of being cut off my LTD and got me a settlement way beyond my expectations. I can't say enough good things about this law firm but I guarantee you that if you need a lawyer to fight for you David is your guy! . Believe me when I say this is the law firm for anyone dealing with personal injuries especially LTD denial claims. Thank you so much to David, Ingrid and Melissa you truly don't know how much I appreciate all you did for me and how this will help me get back on track with my life. Keep helping others you guys are doing amazing work! I wish you all the best!
Rose RegazziRose Regazzi
21:15 11 Oct 23
I sustained a relatively painful injury, affecting me long term.I wouldn't otherwise had pursued it, as it involved a relatively large corporation, but felt it necessary to do so. However, many lawyers were daunted, with one, who actually referred me to HIMPRO.I was connected with Dan Holland, who reviewed the case, provided with me realistic expectations, sound advice and had a willingness to move forward and represent me.His calm and professional demeanor, brought me to a place of reassurance. His ease in addressing all facets of this process, clearly demonstrated a wealth of experience. There was never any hesitation, when being challenged, and felt my best interest was always in the forefront.This case has since been resolved, to my complete satisfaction.Without reservation, HIMPRO (and Dan Holland, in particular), would be the only firm I would recommend for these type of cases.
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