Insurance adjusters are professionals who settle claims. It involves a review of the insurance contract, investigation of the facts, and determination of the exact value of the loss. They act as a mediator between the insurer and insured. When investigating a claim, he meets different people involved in the loss/damage i.e. the policyholder, claimant and witnesses if any.

Insurance Adjusters are divided under several categories:

• Staff Adjusters- Employed by the insurance companies.
• Independent Adjusters- Independent, not insurance company’s employees.
• Public Adjusters- Employed by policyholders.
• Claim Service Representatives- Employed by insurance company or independent adjusting company.

First, second and fourth categories of adjusters work on behalf of the insurer.

Now, there are different types of Insurance Adjusters:

Type 1: Auto Adjusters

They basically deal with claims for car damage i.e.

for road accidents. During the training session, they are taught the rules of the road and parts of a vehicle also. Insurance companies feel that the adjusters need knowledge about both these things in order to resolve a claim. As these types of accidents are very common, auto adjusters must be fast in determining the cause of the fault and what amount should be paid for the vehicle’s damage. Their work load is quite heavy.

Type 2: Property Adjusters

They deal with claims for personal home damages. During their training session, insurance companies train and teach them to understand the composition of a home and the value of its different parts. Their work involves reviewing homeowner’s contract and figuring out the details of a loss. Like an auto adjuster, they too have to work rapidly to determine payouts based on a heavy workload. They rarely deal with legal responsibility. Their work is to only figure out if the claim is to be paid based on the insurance contract on file.

Type 3: Medical Adjusters

Medical adjusters handle medical claims. They are trained to understand medical reports, bills and even the mechanisms of human body. The normal turn-around time for these types of claims is about 30 days. As long as an injury shape up with the type of accidents on record and is payable under the insurance contract, they will pay them.

Type 4: Casualty Adjusters

They handle injury claims. Under training sessions, they are made to understand how different types of injuries affect the body, what they are worth in value to a liability law. Their workload is slightly less than an auto or property adjuster. The work they do requires the review of medical records along with the cause of the damage. Majority of the claims handled by these types of adjusters don’t go to a court.

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Auto insurance adjusters

Question by MeMe: Auto insurance adjusters!!!! Auto accident…2000 Honda CRV…damage question?
I was rear-ended by an utility vehicle. There’s tire rack holder/mount damage, tailgate door damage, and possibly spare tire damage. I don’t want to take a chance to open the door just in case it does not close properly.

The year is 2000 and has 95000+ miles on it. What would the chances be that it would be totaled or saved (where they would just “pop” the big dent out & replace the tire mount)???

P.S. – It is not a ding…it is a deep dent.
I would like to add one more detail on the tailgate door damage.

The space between the edge of the tailgate door and frame of SUV has a big gap (where the door opens/closes). I say it is probably close to an inch gap wide where before it was maybe an 1/4 of an inch or so wide.

Best answer:

Answer by Kelsey Y
50 50 chance it all depends what the cost of the repair is

Give your answer to this question below!

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