If the adjuster refuses, write a letter confirming the refusal to make it part of your claim file. So, if the adjuster continues to refuse to negotiate with you about the liquidation, you'll have to use other pressures to move the negotiations forward. All insurance policies have an obligation to cooperate clause, which basically states that anyone who is covered under the framework of their specific policy must cooperate with the insurance provider's investigation and the general defense of a claim. When an at-fault driver refuses to cooperate with their own insurance company, they could eventually be denied coverage.
If you don't have full coverage, you'll need to work with the adverse insurance company to manage damage to the property and rental vehicle. If you're having trouble getting the at-fault driver's adjuster to return your calls, there are two main strategies that can help. The first is the squeaky wheel strategy. Just call often to put your name at the top of the list for the adjuster to call you back.
Many insurance adjusters have more cases than they can actually handle, and the squeaky approach is often effective. Another approach is to ask a supervisor to step in and help push your claim forward. Your information will not be shared. If you believe that the appraiser used by the insurance company has not conducted a full and thorough investigation and, as a result, the insurance company has denied your claim, you can hire a public appraiser to investigate your claim properly.
If the insurance company refuses to settle or continues to deny your claim, you can present the public adjuster's findings in a lawsuit. Your lawyer will have the names or contact information of public appraisers in your community. Or if the insurance adjuster seems to be lengthening the investigation, such as waiting two or three weeks to talk to you about what happened or to try to verify the damage caused to your car or home, these are certainly signs that the insurance company is not conducting a full investigation. The insurance claim lawyers at Caldwell Wenzel %26 Asthana know how insurance companies work and the tactics that appraisers use to unfairly deny claims.
The best way to deal with an insurance adjuster is to hire a competent attorney with experience fighting insurers. Many insurance companies train their representatives and adjusters on how to be friendly and approachable. When some insurance companies investigate claims, they may send unlicensed appraisers or third parties who work for several companies. Insurance companies seek to make a profit, and it's not uncommon for appraisers to deny, delay, or improperly pay legitimate claims.
If the appraiser assigned by the insurance company does not act in any of the above ways, he may be legitimately concerned that he is not conducting a thorough investigation. The first thing to remember when it comes to insurance is that insurance adjusters are not your friends. The insurance company's claims adjuster will be friendly and apparently want to help you, but no insurance company is really on your side. If you haven't updated your address with them after a move, the insurance company's appraiser may claim that he tried to inform you about the investigation but couldn't contact you.