An auto assurance claim adjuster works for the assurance company with whom you purchase a policy. Some assurance companies use independent adjusters so that they get an unbiased report. When you have an accident and make a claim on your assurance, the company will send out an adjuster to access the damages and come up with an amount of money that will be needed to complete the repairs. The auto assurance claim adjuster has to contact the garages to get an estimate of what the parts and labor will cost.
When you report a claim for an accident to your auto assurance, they will contact the appropriate adjuster. The auto assurance adjuster assigned to your case will contact you to get the details on where he/she can assess the vehicle. Then you will receive a report from the assurance company regarding the assessment the auto assurance claim adjuster submits. If the damages exceed the value of the vehicle, it will be "written off".
The amount you get on your auto assurance policy depends on the policy itself. If the auto assurance claim adjuster determines that the vehicle is written off, the assurance will pay you the book value of the vehicle. This could be more or less than what the car is worth. With some auto assurance policies, you can pay extra to have a clause included stating that if the vehicle is written off within the first two years, you get the full amount that you paid for the automobile.
There is a certain process that an auto assurance claim adjuster has to use to come up with the amount the assurance company will pay. You will usually get two quotes - one that will see the car getting repaired at a top of the line garage and another if you take a cash settlement on the claim and get the work done yourself. The auto assurance adjuster knows that many people have friends who can do the work cheaper and often take the money.
Once you decide how you want to proceed, the assurance company will issue a check. If you are paying on the vehicle, the check will be made out jointly to you and the lender. Otherwise the check comes directly to you. The job of the auto assurance adjuster is only to access the damages, Any dispute you have regarding the report made by the auto assurance claim adjuster has to be done through the assurance company. Keep this in mind because the adjuster is only an ordinary person like yourself trying to make a living.
An auto assurance claim adjuster doesn't have an easy job.
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