It’s possible to utilize the services of a public adjuster for auto claims, but a majority of the professionals deal primarily with property. There are public adjusters that specialize in auto claims and will work with clients to ensure they receive a fair settlement following an auto accident. It’s important to understand the terms of your insurance policy before hiring a public adjuster.
After an accident, your insurance company will send one of their adjusters to view the damage and attach a dollar amount to the damage. This is the amount your insurance company will pay you toward repairs or replacement. If the vehicle is totaled, the adjuster will be responsible for deciding the value of the vehicle before it was wrecked.
The insurance adjuster works for your insurance company, not you. It’s his/her job to pay out as little as possible while adhering to the terms of your policy. In comparison, a public adjuster works entirely on your behalf. They charge a fee and can assist in filing a claim, reopening a claim, and negotiate on your behalf with your insurance company.
Filing an insurance claim isn’t necessarily an easy process. You can benefit from the professional services of a public adjuster if the insurance company tries to undervalue your vehicle after a crash or deny a personal injury claim. They can also help, if the vehicle has been stolen, if the insurer refuses to abide by the rules of the existing policy, or if you need to sue your insurer.
Auto insurance is a good way to protect yourself, but it’s also important to remember that insurance companies are a business like any other. Their focus is to make money and maintain the financial welfare of stockholders. A public adjuster can be instrumental in helping you receive the compensation to which you’re entitled.