How Adjuster Studies Details Relating To Personal Injury Claim

All adjusters carry out an inspection, after having received a new file from their supervisor. Each inspection involves conducting a study and assessment of the reported losses or damages.

Adjusters’ step-by-step approach

• Speak with the insured party, the person that is one of the company’s policyholders
• Read the accident report or police report
• Try to obtain the official records
• Wait to see if other party has filed a claim

Steps taken if other party has filed a claim

Send a letter to claimant

—Give recipient information on policy limits
—Make request for specific documents

Check Company’s database, in order to learn more about claimant’s history; see of that history includes mention of previous injury claim.

Go online to see if claimant has posted any comments or pictures on a social media network. It makes sense to ask for signed authorization, which would provide adjuster with access to the victim’s medical records

Ask for chance to obtain a recorded statement, where details of accident could get revealed in the taped answers to questions. The personal injury lawyer in Brentwood will use the gathered information to calculate an estimated value for the filed case.

Options available to adjusters, when calculating an estimated value for a given case

Traditionally, each adjuster made use of a formula. The details uncovered during the adjuster’s investigation would help with introduction of the proper figures in the available formula.

—One of the operations called for multiplication of 2 factors: One factor was the total for all of the claimant’s medical bills
—The other factor was called a multiplier. It was a figure between 1.5 and 5, and it represented the extent to which the victim had suffered a severe injury.
—The product for the multiplication operation was added to the value of the lost wages.

Some insurance companies looked at the daily value for the claimant’s damages. That was done by multiplying a chosen figure, one that was representative of the injury’s severity, by the number of days in the victim’s recovery.

Today, a growing number of companies have chosen to use a computer program. That program takes into account the details learned, with respect to the method used to treat the victim’s injury. It reduces the value of a claim, if the victim has used the services of a chiropractor, or the provider of a treatment that relies on one of the techniques that has been classed as alternative medicine.

Regardless of the method used, the result gets utilized during the initial stages of the negotiations. At that point, the adjuster must make an opening bid/offer.

The calculated estimate provides guidance, during the adjuster’s attempt at choosing the most appropriate offer. It could influence the claimant’s thinking, with respect to the lowest acceptable offer.

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FAQs on Settlement of Injury Claim

If you’ve been injured in an accident, there’s a good chance that someone else’s negligence caused it. But how does this process