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An auto insurance claim adjuster works for the insurance company with whom you purchase a policy. Some insurance companies use independent adjusters so that they get an unbiased report. But, I bet you wonder how an insurance claims adjuster actually comes to a conclusion about what the insurance company will pay on a claim... If so, this article will tell you what you would like to know about claims adjusters and the important work they do.

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Ever Wondered What An Auto Insurance Claim Adjuster Does?

By: Peter

An insurance claim adjuster works for the insurance company with whom you purchase a policy. Some insurance companies use independent adjusters so that they get an unbiased report.

When you have an accident and make a claim on your insurance, the company will send out an adjuster to access the damages and come up with an amount of money that will be needed to complete the repairs. The insurance claim adjuster has to contact the garages to get an estimate of what the parts and labor will cost.

When you report a claim for an accident to your insurance, they will contact the appropriate adjuster. The insurance adjuster assigned to your case will contact you to get the details on where he/she can assess the vehicle.

Then you will receive a report from the insurance company regarding the assessment the insurance claim adjuster submits.

If the damages exceed the value of the vehicle, it will be "written off". The amount you get on your insurance policy depends on the policy itself. If the insurance claim adjuster determines that the vehicle is written off, the insurance will pay you the book value of the vehicle. This could be more or less than what the car is worth.

With some insurance policies, you can pay extra to have a clause included stating that if the vehicle is written off within the first two years, you get the full amount that you paid for the automobile. There is a certain process that an insurance claim adjuster has to use to come up with the amount the insurance company will pay. You will usually get two quotes – one that will see the car getting repaired at a top of the line garage and another if you take a cash settlement on the claim and get the work done yourself. The insurance adjuster knows that many people have friends who can do the work cheaper and often take the money.

Once you decide how you want to proceed, the insurance company will issue a check. If you are paying on the vehicle, the check will be made out jointly to you and the lender.

Otherwise the check comes directly to you. The job of the insurance adjuster is only to access the damages. Any dispute you have regarding the report made by the insurance claim adjuster has to be done through the insurance company.

Keep this in mind because the adjuster is only an ordinary person like yourself trying to make a living. An insurance claim adjuster doesn't have an easy job.

About The Author:
For a website totally devoted to Car Insurance visit Peter's Website Car Insurance Answers at http://www.car-insurance-answers.com/ and find out about Car Insurance as well as Cheap Car Insurance at http://www.car-insurance-answers.com/online-car-insurance-quotes.html and more, including Online Car Insurance Quotes, UK Car Insurance, Car Insurance Rates and Car Insurance Quotes.

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