It is really unbelievable, the number of telephone calls we get with the same complaint, the adjuster will not return our phone calls. Many people do not want to hassle with the insurance claim and simply want some recognition that their claim will be paid and some semblance of fairness.
Unfortunately, insurance companies for the adverse driver rarely operate upon that basis. It is important to understand that this is probably not anything personal on the adjusters part but they are overloaded with cases and saddled with a system that is designed to slow down claims in an effort to reduce the number of claims.
If you have been in a car wreck that was not your fault, you probably have many pressing needs, the repair or replacement of your vehicle, alternative transportation, and help with your medical bills and lost wages if you have been injured.
Hopefully, you will have “full coverage” on your own auto policy and review of your own policy to determine your coverage should be a step you would consider when the adjuster will not return your telephone calls.
If you have Personal Injury Protection (PIP) under your own automobile insurance policy, that will help you with medical bills and lost wages up to the amount of the policy limit. That protection should cover not only yourself but your passengers as well.
Look to see what coverages you have related to “Collision” such as rental car reimbursement and what your deductible is for your own property damage. If the adjuster for the negligent driver will not return your call there are two main strategies.
The first is the squeaky wheel strategy which dictates that you call frequently in an effort to put your name at the head of the list for the adjuster to return your call. Many insurance adjusters have more cases than they can really handle and the squeaky wheel approach is usually affective.
Another approach is to deal with your own insurance company for the property damage and the personal injury protection claims and because it’s your own insurance company, you will generally receive much better treatment. If you are out your own deductible make sure you ask your insurance company in writing to “sue for or otherwise collect” your deductible from the driver that caused the accident. Your insurance company is used to handling insurance claims it is often better to let them deal with adverse insurance company on your property damage. Should they collect your deductible you should receive a check from your insurance company in reimbursement.
If you have been seriously injured you should consider talking to a personal injury attorney early on in the claims handling process. Certainly before giving any documents or statements to the adverse insurance company. Most law firms handling accident cases offer free consultations and it is a good idea to call one and take advantage of that offer.
Frequently, the first time an accident victim realizes that they probably need a lawyer, damage is already been done to their claim. The longer you go in the claims handling process without representation the harder it will be to retain a top-notch personal injury attorney.
This is a situation in which what you don’t know really can hurt you.