How a Car Accident Adjuster Makes Your Settlement Offer


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After you are in a car accident, a car accident adjuster from your insurance company will contact you to evaluate the claim you make with your insurance company.  He/She will then look at your policy to see what types of coverage you have, the deductibles on your policy, and any coverage limits that could affect your claim.  The process that it takes for the car accident adjuster to arrive at a settlement offer will depend upon the specific circumstances of your accident.

If Your Claim is Simple

Your insurance claim will be a simple one if the following conditions apply:

  • Who is at fault in the accident is not in question.
  • There was minimal damage to the vehicle or vehicles.
  • Little or no medical treatment was necessary for injuries.

The adjuster will likely ask you to get an estimate for vehicle repairs and then send you a check for that amount.  You’ll have to fill out some paperwork, but probably won’t have to meet the adjuster in person.

If Your Claim is Complicated

Your insurance claim will be a complicated one if the following conditions apply:

  • There is question over who is liable for the accident.
  • There is not enough coverage in your policy to cover the costs of damages.
  • You do not agree with the adjuster’s settlement offer.

The adjuster will conduct an investigation into the circumstances surrounding the accident in order to adequately assess the insurance company’s liability.  This will include the following actions:

  • Analyze your policy.
  • Contact witnesses to the accident.
  • Contact the other party (or parties) to the accident.
  • Look at any police report.
  • Take photographs of the damages and the scene of the accident.
  • Send out requests to your medical providers regarding your treatment to determine your medical expenses.

The Process of Arriving at a Fair Settlement Offer

After the adjuster has analyzed all of the factors mentioned above, he/she will submit an initial settlement offer.  This offer will usually be on the low side, since he/she is expected to save his/her employer money if possible.  However, he/she will also usually have a range of values in which to work out a fair settlement.

You may have to have negotiations with the adjuster in order to arrive at a fair settlement claim that will satisfy both you and the insurance company.  If negotiations fail, your only recourse is to sue the insurance company in court.

Attaining Legal Help

Negotiating with a car accident adjuster from your insurance company can be a challenging and trying time.  An established and experienced personal injury attorney will evaluate the settlement offer made by the adjuster, will advise you with negotiations, and will present the strongest possible case to ensure that you get all of the compensation you deserve if you take your case to court.

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