What Happens After The Car Insurance Adjuster Comes Out?

After a car insurance adjuster comes out to assess the damages from an accident, several steps are typically taken as part of the claims process. Here's what happens after the adjuster completes their on-site evaluation:

Documentation Review: The adjuster compiles all the information gathered during the on-site inspection, including photographs, statements, police reports, and any additional documentation provided by the policyholder or other involved parties.

Assessment of Liability: Based on the gathered information, the adjuster determines the extent of liability for the accident. This involves evaluating factors such as traffic laws, witness statements, and the overall circumstances surrounding the incident.

Estimation of Damages: The adjuster assesses the damages to the vehicles involved in the accident. To ascertain the degree of the damages and the related repair costs, they may use auto body shop repair estimates, photos, and their on-site inspections.

Review of Medical Records (if applicable): If any injuries occur, the adjuster will examine the patient's medical records and bills to determine the full scope of treatment and any related costs. This information is crucial for determining compensation for medical claims.

Policy Coverage Verification: The adjuster reviews the insurance policy to verify the coverage and limits. This includes assessing the types of coverage the policyholder has, such as liability coverage, comprehensive coverage, collision coverage, and any applicable deductibles.

Settlement Offer: Based on their assessment of liability, damages, and policy coverage, the adjuster prepares a settlement offer. The offer includes compensation for property damage, medical expenses, and potentially other damages such as lost wages or pain and suffering.

Communication with the Policyholder: The adjuster communicates the settlement offer to the policyholder. They explain the rationale behind the offer, including details of the damages assessed, liability determination, and the coverage provided by the insurance policy.

Negotiation (if needed): The policyholder has the opportunity to negotiate the settlement offer. This may involve providing additional evidence, challenging aspects of the adjuster's assessment, or discussing concerns related to the settlement amount.

Resolution and Payment: Once an agreement is reached, the insurance company processes the payment to the policyholder. This may involve issuing a check or transferring funds, depending on the arrangements made between the parties.

Claim Closure: After the payment is made and all aspects of the claim are resolved, the insurance company considers the claim closed. The policyholder and any other involved parties acknowledge that the settlement satisfies the terms of the insurance policy.

It's important to note that the specific steps and timeline may vary based on the insurance company, the complexity of the claim, and the applicable laws and regulations. Additionally, policyholders should carefully review the settlement offer and, if needed, consult with legal or insurance professionals to ensure they receive fair compensation for their losses.