Role of Insurance Adjusters in Injury Claims

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Role of Insurance Adjusters in Injury ClaimsIn an injury claim, an insurance adjuster is an insurance agent who assesses the amount of compensation that an injured person should be paid after he or she has made a claim on an insurance policy. Understanding the role of insurance adjusters in injury claims may help you to understand the negotiation process and hopefully, prevent you from getting taken advantage of by a powerful insurance company. Educating yourself on who insurance adjusters are and how they work to resolve an injury claim may help you to understand their process and help to get you the maximum amount of compensation you may be entitled to.

Insurance adjuster titles can vary. A claims specialist, claims representative, independent claims analyst and an insurance adjuster all do the same job. No matter what this person’s title is, when you have filed a claim with an insurance company against someone who is responsible for injuring someone else, the negotiations process will likely be with him or her. Sometimes, especially when an insurance company does not have a local office in a particular area, a claim is handled by a firm of independent insurance adjusters instead of the company’s own adjuster. The negotiation process is the same with an independent insurance adjuster as it is with one from the company itself but he or she may have a lower authority limit within which to settle a case. He or she may have to have a claims supervisor at the insurance company where you made your claim approve this.

Public entities such as large cities or state governments often have their own claims adjustment offices. The negotiating process with an insurance adjuster that works for a public entity is the same as one who works for a private insurance company. In the event that your claim winds up in court, judges and juries tend to give smaller awards when the award comes from public money. Because of this, government entity adjusters tend to be less generous with settlement money than private insurance adjusters.

When someone files an injury claim even though they have not filed a lawsuit, they may wind up negotiating with a lawyer instead of an insurance adjuster. Self-insured corporations and some insurance companies without a local claims office sometimes use either their own staff lawyer or a local lawyer as a claims adjuster. Government entities sometimes have their own lawyers to deal with insurance claims.

Regardless of whether or not you are dealing with an in-house insurance adjuster or a contracted one, or a lawyer, negotiating with an insurance company can be tricky because they have vast resources they utilize to try to pay as little as possible to people who are entitled to compensation. This is one of the many reasons that people find it beneficial to have a lawyer on their side who has experience with getting their clients the compensation they are entitled to from the oftentimes difficult insurance companies.

Cohen & Cohen is available to help people who are trying to negotiate a settlement with an insurance company. Someone from our dedicated legal team is available to discuss your situation and to give you a free case evaluation. Call Cohen & Cohen any time of the day or evening to start getting the protection that you deserve.

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"My experience with Cohen & Cohen was beyond my expectations. Jill did an amazing job with negotiating on my behalf and got me way more money than I anticipated. Thank you for having my back."
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"I am very pleased with the outcome of my case. I received more than the amount that I originally thought and am very satisfied with how my case turned out. Jill, the attorney working on my case did an excellent job advocating for me to the insurance company and getting me a good settlement. A special shout out to Bryan Moran, who always kept me posted on the updates of my case and was always super responsive to my questions. They are a really thoughtful team, I would definitely recommend to my friends and family."
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Cohen & Cohen has an  impeccable Client Satisfaction Rating with hundreds of
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L Proctor
August 30, 2022.
My experience with Cohen &Cohen was beyond my expectations. Jill did an amazing job with negotiating on my behalf and got me way more money than I anticipated. Thank you for having my back.
Ebony Stoutmiles
June 23, 2022.
To say that I am happy with the outcome of my case is the understatement of the century! Jill Stanley is a BEAST at what she does. That is the only way to explain it. She takes no prisoners. She and her team are very skilled and knowledgeable. I am so happy I trusted them to do their job and rolled with Jill's suggestions. I would choose Jill again 100 times. She settled my case for more than I imagined I would receive. I was literally in tears. It is the best feeling to know my pain isn't for naught. Wayne Cohen and Kristopher Yorke were nothing short of amazing. They have the patience of saints. I'm 100% certain that I got on their last nerves with my frustration and tears at every other call I had with them. Being in pain and wanting to just be able to heal was all I could focus on, but they helped me realize that I also had to focus on the bigger picture (the case) so I could put this piece behind me. As a high-strung individual with anxiety, it was hard for me to not worry and let them do their jobs, but they reassured me all of the time that they had this. To be injured before the start of the pandemic and have to receive regular, weekly treatment while others are able to stay home is anxiety inducing. I was in pain, I was anxious, and I was just hoping it all worked out. It more than worked out. I hope Jill, Siri, and Kris know how much their hard work and "hanging in there" meant to me. I am eternally grateful. I can't recommend you all enough. If you choose this law firm, you won't be sorry!
Beloved Temple
June 3, 2022.
I was very pleased with the handling of my case and settlement with Cohen& Cohen. I appreciate them, would highly recommend them.
willie howell
May 25, 2022.
COHEN & COHEN ARE THE BEST I WAS INVOLVED IN A REAR END CAR CRASH AND 2 YEARS LATER I HAVE RECEIVED MY SETTLEMENT I AM VERY EXCITED TO SAY BRYAN!!! IS THE MAN HE INSURED THEY WILL TAKE CARE OF ME AND THEY DID 100% ANY QUESTIONS I ASKED THEY WERE ANSWERED. Jill and SIRI WAS ALSO REMARKABLE AND SHOWED THEY REALLY CARED I RECOMMEND COHEN &COHEN TO ANYONE THEY ALSO MADE SURE I GOT MORE THAN EXPECTED WHICH WAS AMAZING I APPRECIATE YOU GUYS THANK U💯
Jose Rivera
May 25, 2022.
The legal team at cohen & cohen did a great job I really appreciate the hard work on gating my compensation in a fair amount of time. Special thanks to Kris for a wonderful job
Lea Harvey
May 25, 2022.
I had a great experience with the team at Cohen & Cohen. From my intake attorney, Adam, to the paralegal, Bryan, who worked with me regularly for months to document and prepare my case, to Jill, the attorney who secured my settlement, I feel fortunate to have had their representation and expertise on my side.
Cameron Galloway (HustleDaGod)
May 19, 2022.
Kris was phenomenal. Spectacular communication & knowledge in regards to my case. Would definitely return if I needed more legal services. 100% definitely recommend.

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