{"id":8732,"date":"2014-09-01T03:16:18","date_gmt":"2014-09-01T03:16:18","guid":{"rendered":"http:\/\/ikz.emg.mybluehost.me\/?p=8732"},"modified":"2023-08-07T00:56:44","modified_gmt":"2023-08-07T00:56:44","slug":"13-tacticas-utilizadas-por-los-ajustadores-de-seguros","status":"publish","type":"post","link":"https:\/\/scrantonlawfirm.com\/es\/13-tactics-used-by-insurance-adjusters\/","title":{"rendered":"13 t\u00e1cticas utilizadas por los ajustadores de seguros"},"content":{"rendered":"\t\t
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13 Tactics Used By Insurance Adjusters\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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by Christian Scranton<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\ttake our free case quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Watch out for these 13 tactics used by insurance adjusters that could interfere with your claim. If you question anything about an adjuster\u2019s conduct, call a personal injury lawyer.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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1. You Don\u2019t Hear From The Adjuster Within Two Weeks\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If you do not hear from and adjuster within two weeks of the accident it may indicate that the company is understaffed, ignoring your claim, or that the other party wasn\u2019t insured after all.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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2. They Don\u2019t Provide You With A Letter Of Identification\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Insist that the adjuster provide you a letter identifying himself and his company. That letter should indicate the policy and claim numbers AND, this is extremely important, confirm that his company provided coverage for the responsible party on the day of the accident.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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3. The Adjuster Does Not Give You Their Client\u2019s Policy Limits\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Insist that the adjuster disclose his client\u2019s policy limits in writing. If he refuses, call a lawyer.<\/p>

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4. They Don\u2019t State In Writing Who Was Responsible For The Accident\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Insist that the adjuster provide you with a letter stating that the person his company insures was responsible for causing the accident. If the adjuster does not believe that his client was completely at fault, insist that he indicate, in writing, the percentage of blame attributable to his client. California is a \u201ccomparative negligence\u201d state and even if you, the victim, were partially at fault, you\u2019re still entitled to compensation in the event the other party as also partially at fault. Any personal injury lawyer should be willing to explain to you the legal concept of comparative negligence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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5. The Adjuster Insists On A Written Record Of The Facts Of The Accident\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If the adjuster insists that you give him a written or recorded statement of the facts of the accident or tells you he cannot settle the case without one, call a lawyer. No injured person is legally obligated to give an adjuster a \u201cstatement.\u201d Actually, the adjuster probably already knows how the accident occurred based on the police report, witness statements, his own client\u2019s version and his own experience. If the adjuster\u2019s client is telling the truth, the insurance company does NOT need your statement! The real purpose of the statement is to get you to say something that will damage your claim and give the company grounds to reduce or deny it! Generally, a statement will do nothing but hurt your claim! Test the adjuster\u2019s good faith by asking him to provide you with a copy of the other party\u2019s statement. If he refuses, call a lawyer. If you find that the other party\u2019s version of the accident differs from yours, call a lawyer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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6. They Ask You To Sign An Authorization To Obtain Your Medical & Employment Records<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If the adjuster insists that you sign an \u201cauthorization\u201d allowing him to obtain your medical and employment records, call a lawyer. You have every right to refuse to do so unless your insurance company requests it. However, since you are under a legal obligation to prove the nature and extent of your damages, you should offer to provide medical and employment reports (if you were employed at the time of the accident and lost earnings). YOU SHOULD PROVIDE REPORTS, NOT RECORDS. Your signed authorization allows the company, or anyone else the company gives your authorization to, to obtain ALL your past and future medical and employment records, whether relevant to your accident or not.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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7. They Want You To Be Examined By A \u201cCompany Doctor\u201d\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The adjuster may insist that you be examined by a \u201ccompany doctor\u201d. You should refuse to be examined by a company doctor unless your insurance company is making the request. If the adjuster won\u2019t settle without such an examination, call a lawyer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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8. The Adjuster Refuses To Settle Your Case In Writing\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You should request that the adjuster put all offers to settle your case in writing. If he refuses, call a lawyer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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9. The Adjuster Is Very Hard To Reach\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If it is difficult for you to contact the adjuster or he seems to be putting you off, he may be trying to delay resolution of your case. Delay can cost you thousands of dollars.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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10. They Show Up Without An Appointment\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You should be apprehensive if the adjuster shows up without an appointment at your home. The purpose of such a visit is to catch you doing something that indicates you\u2019re not injured and to get an indication of your financial condition. Refuse to discuss your case and tell the adjuster to call back for an appointment<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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11. The Adjuster Is Asking People About You Without Your Permission\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Call a lawyer if the adjuster is asking your neighbors, employer or doctors about you without your permission, or conducting surveillance on you. This invasion of your privacy may indicate that he doesn\u2019t believe you\u2019re injured and probably won\u2019t pay your claim.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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12. They Refuse To Pay You Or Offer You A Minimal Amount\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If the adjuster refuses to pay you anything for your claim or offers to pay you a minimal amount, call a lawyer. Just because the adjuster thinks your case is worthless doesn\u2019t mean it is so. Ask the adjuster to put his reasons for refusing to compensate you in writing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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13. They Advise You Not To Talk To A Lawyer\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The adjuster may tell you, you don\u2019t need to see a lawyer or directly advise you not to obtain legal advice. This is \u201can unfair claims practice\u201d according to the insurance code and is the best indicator that you need to talk to a lawyer.<\/p>

These warning signs also apply when you have a claim against your own company. However, you must \u201ccooperate\u201d with your own company because every policy of insurance contains a \u201ccooperation clause\u201d. Therefore, if the adjuster for your own company engages in any of the conduct listed above, call a lawyer immediately; you want to protect your rights and at the same time avoid violating your own policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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