Insurance Claims – Recorded Statements!

20 Jun

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Insurance claim recorded statements. They typically go just fine, but sometimes the insurance adjuster makes use of tricks and gimmicks to get you to say items you should not say.

So maintain a claims diary. This protects you, the policyholder or claimant, if and when you have issues with your claim.

Get a notebook or legal pad and create down Every little thing that occurs Each and every DAY during your claim process. By no means trust your memory.

When you speak to any person about your claim, compose it down.

Let’s speak about recorded statements and your claims diary.

Recorded statements are a typical portion of the claims approach. Claims adjusters generally like to get a recorded statement from all the parties in the loss early in the claims approach. That way, the facts of the claim are nonetheless fresh in everyone’s minds, and can be documented much more accurately. Do not be nervous about becoming recorded.

If the claims adjuster calls and requests a recorded statement more than the telephone, politely tell him that you choose to meet with him in person. The best scenario for you would be to meet the adjuster at your attorney’s workplace, and give the recorded statement in the presence of the lawyer. Even uncooperative or moody adjusters look to be on their very best behavior in the presence of an lawyer.

If the insurance adjuster or examiner only does recorded statements by telephone, simply have the adjuster do a three-way conference get in touch with with you and your lawyer.

On an in-particular person interview, the adjuster will have his portable tape recorder with which he will record the interview. You should also bring a portable tape recorder and tape the interview for your own protection. You can purchase a hand-sized cassette recorder at any electronics retailer or discount department shop…even major drug shop chains for much less than $40.00. They use regular cassette tapes and batteries. The microcassette recorders function wonderful, as well, and expense about the very same. Make certain that you have plenty of fresh batteries and a few cassette tapes with you at the interview.

When the adjuster is recording your statement, do not Offer any data. Answer the query that he asked, and no more.

Don’t forget that some questions do not deserve an answer.

Have you ever been in an interview, or some social predicament, and an individual asked you a query that produced you uncomfortable? And you ANSWERED the question so they didn’t feel you had been impolite? Then later you hated your self for becoming a doormat?

Individuals feel a want to be good. Adjusters take benefit of people’s want to be good. Adjusters know that most folks will answer whatever concerns look affordable, even if the query is not relevant to the claim. Individual questions that do not have relevance to your claim need to not be answered. Queries about your income, or asking for your Social Safety number, could not be relevant to the claim. Queries about your earnings, for example, are not appropriate unless you are producing a claim for lost wages.

One of the reasons that adjusters ask for your Social Security number is so they can appear you up on a database known as Insurance Service Office (ISO) Claimsearch. If you want to see what the Claimsearch homepage looks like, go to:

Claimsearch is a searchable database that shows if you’ve ever had an insurance claim just before. With your Social Security number, adjusters and claims examiners can call up all the information about you…Without having YOUR PERMISSION.

If there’s a query that the adjuster asks that you don’t feel comfy answering, politely reply “I’d rather not answer that question.” Often adjusters ask inappropriate concerns. Make certain that the adjuster sticks to the facts of the accident or loss. If you happen to be in an attorney’s office at the time of the recorded statement, he’ll help the adjuster keep on track.

My belief is that you, the policyholder or claimant, ought to record each and every telephone conversation and face-to-face conversation that you have with anybody about your claim. The same electronics outlets that sell the cassette recorders will stock a “pick-up” microphone that plugs into your cassette recorder and has a suction cup that sticks to your telephone handset. The high quality of the sound is generally fairly great.

I’m not suggesting for a moment that you ought to do something illegal or unethical. You need to have to examine your state’s statutes and laws about recording conversations. Some states do not let it unless both parties give consent. Some states allow it if only one of the parties is aware that the conversation is being recorded.

Know the law, and know your rights.

Do not be surprised if some adjusters refuse to have their conversations recorded. That does not imply that you ought to cave in to their lack of cooperation. You ought to insist on the recording, or politely refuse to speak with that individual. But, it ought to inform you one thing about that individual if he or she refuses to be recorded.

Be in handle of when and exactly where you accept phone calls about your claim. I’ve seen some adjusters that try to keep the insured off balance by generating calls at uncommon instances, like early morning or late night. If you are not prepared to record the contact when the phone rings, inform the particular person that it is not hassle-free to speak proper then and make an appointment to contact him back. Often maintain your appointments.

I can envision that some of you reading this post feel that this author is some sort of paranoid kook. Please let me assure you that I am. But I’ve seen numerous situations in which an adjuster took a recorded statement, and then wrote a statement summary that wasn’t anything like the info on the tape. I’ve noticed police officers fill out an accident report, and describe the accident fully wrongly. I’ve noticed court testimony where the adjuster and the insured are questioned about an incident, and their stories are fully various.

Recordings of conversations put all of that to rest.

After you have a issue with a individual who lies to you, or about you, it’s also late to record them then.

The old adage is, “better safe than sorry.” Sorry can expense you thousands of dollars. Hold a claims diary.

112 Responses to “Insurance Claims – Recorded Statements!”

  1. Edison January 18, 2013 at 2:27 pm #

    The insurance coverage ajuster of the individual that re-ended me recorded my statement and that i desire a copy. do they need to produce one?

  2. Columbus April 2, 2013 at 12:56 am #

    Hello was wondering who would be better to claim my daughter on tax return. Im making 11.24 an hr gona clear just under 30 grand and im going to claim head of household. My girlfriend and mother of my child makes bout 9 and some change prolly gona bring 25 grand or less at end of year and will not claim head of household since i will be. So please someone let me know what is the best choice to get max on tax return.

  3. Lemuel April 11, 2013 at 2:29 pm #

    Why would an insurance company want a recorded statement from me? This is regarding a auto accedint where their insured was at fault.

  4. Eusebio April 15, 2013 at 12:28 pm #

    About 1 yr ago I was laid off and the next day I came out to find my car was backed into in a parking lot.I was depressed about losing my job and did not have extra money for a deductible so I did not file a claim.I am now hearing that this would of been fixed and the deductible waived because I was hit in a parking lot.Does anyone know anything about this type of thing? I live in Michigan !!!

  5. Nestor April 26, 2013 at 5:34 pm #

    need to get the telephone number of a circuit city still in business trying to get proof for a navigation system that was recently stolen and i have a warranty on file with them that should be able to help me if i can get in contact with somoene.. need this info for my insurance claim..if you do not know the location or telephone number please do not respond..thanks.

  6. Gene May 1, 2013 at 12:27 am #

    My friends mother passed away and we dont know if she left one.

  7. Wilber May 6, 2013 at 12:01 pm #

    i have bunch of papers all over my draws , i need to clean it out, but i don’t know which ones are important and how long i keep them for my records?

  8. Lesley May 6, 2013 at 3:23 pm #

    release asked for all and any information ,records and or reports regarding my occupation and salary from prospective employer current employer or any former employer.
    Should i sign this. And what about release of medical info
    Here the details

    I got injured at work the insurance company hasn’t paid me yet. In order for them to start sending me the checks they’re saying that i need to sign release of info not only the medical which i think they Absolutely need to have but also all and any info, records and reports from my occupation .
    Thanks for the responses.

  9. Barney May 7, 2013 at 7:02 pm #

    I am curious to know if when you talk to an insurance adjuster regarding your claim if they can / do record the phone calls. I know when you call them, the little messages states “this call may be recorded for quality assurance.” But what about when they phone me? And also what is legal here and what can they use from the recordings?

  10. Cherilyn May 15, 2013 at 7:17 am #

    I was involved in an accident where i was at fault but when i reported my claim and did a recorded statement to my insurance company i twisted my story and made it seem like it was the other drivers fault. I absolutely regret this and want to tell the truth, that i hit his car, he didn’t hit mine.

    Can i call my insurance co./adjustor and maybe tell them i want to be more accurate about my claim and make some changes? Are there severe consequences to this?

    Im with Permanent General.

    P.s. im completely scared that the other driver may threaten me when/if he is put at fault. He has my address and phone#, and his mom has already called me. We both live in different states.

  11. Ismael May 15, 2013 at 7:17 am #

    I apparently owe twenty pounds to Diamond for insurance cover, even though I cancelled the policy, paid them what was owed over the phone on my card and this was almost three years ago. I write to each company to explain, but the moment I do, the debt seems to be taken up by another company who then make fresh demands for it. I am not worried in the slightest but it does get really annoying! Are all these firms linked in some way? Are they owned by the same people or run by the same directors? It’s just that sometimes, I will receive a letter that seems to be from a solicitor, only to find that the address is the same as one of these collection companies? Is this legal and can it affect my credit rating? Can anyone tell me how this works?

  12. Micheal June 17, 2013 at 11:03 am #

    My insurance, Allstate paid my Chiropractor in full for the treatment I received due to an auto accident. The other party’s insurance is asking for the medical records. My chiropractor said he is going to generate a report and a statement and that he will mail it to the 3rd party insurance. Now would he get paid again when the 3rd party insurance receive his report and statement?

  13. Nettie June 20, 2013 at 5:58 pm #

    Their statement summarizing the reason they were terming the insurance was filled with wrong dates, incorrect sequence of events, misdiagnosis, items taken out of context, submission of supporting data while omitting contradictory information

  14. Leif June 21, 2013 at 7:28 am #

    The “loss payout ratio” for health insurance companies is less than 75 cents for each dollar in premiums with the rest going for administrative costs and profits. How do they manage to keep their profits so high? Why hasn’t the market forced insurance companies to compete with each other and lower premiums?
    John J S: You’re thinking of life insurers (who must have a reserve), not health insurers.
    Enzyte: Where’d you make up your statistic from?

  15. Milford July 3, 2013 at 6:44 am #

    My wife and I have a joint account and we have received our T5 slip. FYI, I have a job but she does not. Can she can claim the whole interest income? Is it a wise choice? Your answers are very much appreciated.
    Thanks taxgal2007 for your response, It is a joint account as the code on box 23 shows. It is also addressed to Mr. John Doe Mrs John doe. The interest belongs to both of us , however, I have heard that usually the person with lower income can claim all the income , which leads to tax saving?
    Oh, I forgot. It is my SIN that appears on the slip, but as I mentioned it is a joint account.

  16. Golden July 19, 2013 at 4:31 pm #

    I had an accident last week and it was my fault. I am in Florda and since I elected to take an divining course, it would not go to my record. My current insurance company knows about the accident. But if I switch to a different company, how would I answer the questions of whether I had any ticket last 3/5 years. I had zero before this accident.

  17. Jamie July 20, 2013 at 6:07 am #

    Had a collision with a van on my sportbike, not sure who is going to be found at fault. I gave my recorded statement to my insurance company two days ago, and the guy said that he would call the other persons insurance company and get a statement from them. If they are found at fault I believe they will have to pay for my repairs…. otherwise I’ll fix it myself.

    The damage to my bike wasn’t that bad:

    The front stay cracked at the mounting point and needs to be replaced: $190 from the dealer, less off ebay.
    The upper fairing is a little scuffed… it honestly looks ok and I could touch it up to the point where it is not so noticable. $155 to have it painted and order new decals.
    Forks are slightly twisted in the triple trees,need to loosen front end and realign.
    My $500 helmet needs to be replaced.

    Other than that, end of mirrors slightly scuffed, right footpeg bent, left signal light slightly scuffed, brake lever slightly bent.
    My question is if I make some basic repairs myself will I have trouble getting reimbursed for it later? Just want to replace the front stay so it is ridable again.

  18. Junior August 8, 2013 at 9:13 pm #

    Before my father died a few months ago,he told us that if he died,the life insurance he was paying would give us $100,000,but he never mentioned which company we’re supposed to claim the money from.How can we find out,or are there any records that shows this information?

  19. Suzanne August 9, 2013 at 4:35 am #

    My car was stolen & State Farm has already questioned me & now they want be to do an examination under oath.

  20. Hobert August 9, 2013 at 10:25 pm #

    I am 20 years old and currently unemployed. I do not claim any benefits, (not even jobseekers). I am about to move home and will need to prove my unemployment to the housing, does my NI number do just that? I live with my mum by the way and am looking for work without benefits.

  21. Loise August 10, 2013 at 2:24 am #

    My policy was valid and the police report confirms the theft. I have provided many hours of testimony and paperwork related (presumably) to the claim, like telephone records, bank statements, repair receipts for recent repairs – why would I spend money on a car if I was going to have it stolen?? This has been going on for 3 months. I cannot afford a lawyer and am without a car.

  22. Jamie August 10, 2013 at 8:41 pm #

    I was in a car accident about a month ago. My car insurance agreed that the accident was 100% not my fault. The other car insurance company is trying to say that it was 50% my fault( which is totally ridiculous because the other driver was cited by police for failure to yield). Today i got a phone call from my car insurance company saying that my claim is now going to arbitration. What
    can i expect to happen next? What can I do to prepare my self? I am very frustrated with this whole
    thing. I know this car accident was 100% not my fault. I dont want to be blaimed at all.
    I forgot to mention that i live in NY state.

    Thank you,


  23. Shirley August 10, 2013 at 10:53 pm #

    I get all my health care for free through veteran hospitals. Am I still required to pay a fine for not getting health insurance even though I don’t need it?
    This bill makes it a requirement to have health insurance. I am a veteran and I do get free health care, but I don’t pay for any insurance so will my name come up as having to pay the fine? Technically, I don’t have insurance.

  24. Alfonzo August 10, 2013 at 11:54 pm #

    Say a 16 year old with a new license does about $2000 damage to a neighbor’s car. Financially, does it make sense to turn it into insurance or just pay out of pocket? I’m worried turning it in would cause the premiums to skyrocket.

  25. Izola August 11, 2013 at 9:43 am #

    Several times since yesterday I have seen this news story about how Pacific Health care has denied numerous covered procedures. Someone doesn’t believe me, and I’d like to find an article writtten up about it. When I type in Pacific Health care under a search nothing is coming up about this. All that comes up under them is hoping more people sign up for their insurance that is no good.

  26. Dave August 11, 2013 at 4:01 pm #

    I was involved in a small vehicle accident recently and the other party’s insurance company (Progressive) has required me to state a “collision claim investigation” through the phone and it will be recorded. I am suppose to tell them what happened during the accident. This is my first accident and I don’t know how to put it so I am not instantly at fault. It might be my fault and it might not be. What should I say or not say in the investigation in addition to the truth so I don’t screw my self?

  27. Cleotilde August 11, 2013 at 6:58 pm #

    I was in an accident which involved some aggressive driving from the other party. I had to claim on my insurance co through my uninsured policy because the other party was uninsured. It is currently being investigated by my insurance company by recording our statements about what happened. I’d like them to have the 911 recording from when I called 911 after the accident, because I am feeling there may be some good evidence about the other party being hostile in the background during the call. Is this something that can usually be released to the investigator or is it not given out by the police?

  28. Carroll August 13, 2013 at 12:45 am #

    A few weeks ago I was driving and yielded at a yield sign, and somebody rear ended me. My car sustained only superficial damage, and I am not filing a claim. The person who hit me, however, had substantial damage to their car, and they filed a claim with their own insurance. Their insurance office is now calling me to get a statement regarding the accident. I am wary to talk to them, because I have heard stories of insurance companies deciding the accident was not 100% the fault of their client, and I do not want to be blamed for any part of this. Do I have any obligation to talk to their insurance company? The police were not called to the accident, and it took place in Oklahoma.

  29. Leonardo August 13, 2013 at 11:26 am #

    I have insurance health benefits statements from the last 7 years. Should I keep them or throw them away ?

  30. Sherlyn August 14, 2013 at 12:59 am #

    Say, today is 1st Feb’09. I had an auto policy (from Farmers) that expired on 1st Jan’09. Today, I buy a new policy from a different insurance company(AAA).

    When I discontinue service with Farmers, am I bound to show the new insurance policy to them? Also, will I get charged for the period from 1st Jan’09 to 31st Jan’09 by Farmers?

  31. Josette August 14, 2013 at 2:58 am #

    The accident happened at a house i dont know if that counts as privite property or not but I’ve contact my own insurance filing it under my own policy. I gave them the opposite partys number and tag and they did tell me he did give a recorded statement. The insurance does hold him responsible but he refuses to give up any insurance at all. Is there anyway you can get insurance company through a tag number?
    My insurance said there leaving it to a collection agency or something? What can that do?

  32. Travis August 14, 2013 at 5:03 pm #

    My insurance company would not provide my lawyers a recording from the other party (who was at fault) to my lawyers. Now my lawyer’s paralegal says that my insurance company wants a statement from me and she says that “…We should cooperate with your insurance company”. Is something in the works?

  33. Jewel August 14, 2013 at 6:52 pm #

    I have heard that the health insurance companies make mistakes all the time, but because people don’t know how to read the statements consumers are regularly overcharged and don’t know it. What questions can I ask my doctor to ensure that treatment will be covered-I heard that the wording a doctor uses can determine if the ins. co. will cover the treatment or not.

  34. Salvador August 14, 2013 at 8:44 pm #

    We were told that my daughter’s live-in marine boyfriend could not carry military insurance on their child (2 1/2 months old) even though he is the legal father on the birth certificate. Have they been misinformed ?

  35. Gayle August 15, 2013 at 12:19 am #

    My friend is interested in becoming an insurance claims adjuster. Thank you in advance. 🙂

  36. Maurine August 15, 2013 at 1:18 pm #

    ‘All’ that happened to me is my car (3rd party insurance only) was damaged in an accident that was not my fault.

    The other drivers insurance company is denying my claim, basically because they obviously just don’t want to pay me anything. How can little me fight the mighty power of one of the UK’s biggest car insurance companies? I can’t of course. And it’s not cost effective to hire a solicitor.

    As I wasn’t injured in the accident (and am not interested in pretending I was) is there are company who will take me on with one of these ‘no win no fee/100% compensation’ deals with no injury involved? I just want to win what is rightfully mine, the damages to my car.

  37. Donovan August 15, 2013 at 2:27 pm #

    I car ran a red light on July 18th 2013. I have a witness and a police report stating it was NOT my fault
    The guys insurance has been giving me the run-around about all they need now is a statement from their policy holder. Today is July 29th 2013 and they have not been able to get a hold of him. All though I called the guy who hit me and he answered right away! I called his insurance back letting them know he answered. But unfortunately he will not answer his insurance phone calls.
    I need my car fixed!!! And I don’t want to go through my insurance! What can I do?? Can I take legal Actions against wawanesa insurance?? They pretty much said until they get a recorded statement from him, they cant do anything.

  38. Marinda August 16, 2013 at 9:47 am #

    What’s the process step by step from an insurance company’s perspective?

  39. Sondra August 16, 2013 at 11:15 am #

    We both have our names on everything for our house and both pay 50/50 for everything. Is it possible for each of us to claim the house separately on our taxes? We live in IL.

  40. Leo August 16, 2013 at 2:03 pm #

    A hit & run accident happened to my car, through a witness and the police I tracked down the owner of the vehicle at fault. I made a claim against his insurance on 5/23. I was contacted by a claims representative the same day and he took a recorded statement and said he would be in touch. Didn’t here back. A few days go by with no contact so I called and left a message for him, no response.Called later and talked to him, he said he requested a police report and couldn’t contact their insured yet for a statement. A few days go by, I call, now their insured is supposedly in jail! He tells me there is a 10 day period for them to get the statement. I call today because he said the tenth day would be last Saturday. Now there is 17 day period for them to get a written statement! My car hasn’t been drivable since 5/16/07 and I haven’t even had an estimate yet. I don’t have full coverage so I can’t get my insurance to pay it, is there anything I can do? Apparently he can’t do math.

  41. Sunday August 16, 2013 at 9:57 pm #

    The insurance company wants a recorded statement from me. Is that standard procedure or legal ?
    Are they trying to trick me or something ? I’m in Arizona.

  42. Hans August 16, 2013 at 11:49 pm #

    I have already made a recorded statement with my own car insurance company of my side of how the accident happened. Now I’ve received forms from the other person’s insurance company wanting me to tell my side. They now have just called me wanting me to call them back and tell them. Since I already have explained my side to my insurance company, why should I explain it again to the other side who is not insuring me? Obviously they aren’t going to be on my side. There is a dispute over who is at fault and I don’t feel right in talking with the other side. Do I have to? I thought my own insurance company was supposed to take care of this? This seems like talking to the other sides lawyer in a lawsuit which you wouldn’t do.

    The person I was involved with in the fender bender now is claiming INJURIES, and there’s no way anyone was injured. These people are liars and scamming for money.

  43. Luigi August 17, 2013 at 8:23 am #

    Does an insurance company by law have to keep all your phone recordings? If so how long for? I have a dispute to raise with them over a policy sold saying it would cover me for 3rd party use of any other car. However 3 months after taking out the policy I was given an IN10 and 6 points on my license. The only way I can prove my innocence is through the phone recordings

  44. Aubrey August 17, 2013 at 8:39 am #

    He has serious post sent to my house. Bank statements and from the management company who own the grounds of the block. I have had a bailiff around asking for him. I have told him this and he said to ignore them and he has the right to have his post sent there.

  45. Deanne August 18, 2013 at 8:44 am #

    I made payment arrangements with the hospital on a bill from May and have been paying regularly every month. In November, my insurance company finished processing my claim and made a substantial payment. My next statement from the hospital did not reflect my previous payment arrangements. I have left several messages with the business office for the hospital to straighten this out but no one calls back. I’ve been making my previously agreed on monthly payments while trying to get in touch with the hospital. Today, I got a letter from a collection agency. I called the collection agency and it’s not one of those dumby letters sent to scare you into paying. My question is, is this legal?? I thought that as long as I had made payment arrangements and was meeting them, I could not be sent to collections. Any back up you can give would be really helpful for when I try calling the hospital back again tomorrow. Thanks!!

  46. Ashanti August 18, 2013 at 2:19 pm #

    I work for an Liability Insurance Company, and we get these reports sent in through mail of I guess there insurance investigators. They go to the scene of a accident like a slip/fall or other kinds of accidents, and take pictures, and then write a report along with the photos explaining the scene, and they also get recorded statements, etc. They then send them over to our claim adjusters, Anyone know what type of training or education is needed, here in Los Angeles, CA.

  47. Miquel August 19, 2013 at 9:31 am #

    I’m cleaning out our home office. I’ve always erred on the “safe side” and kept everything, but it’s getting a little ridiculous!
    How long should I keep:
    *Bank Statements
    *Credit Card Statements (one card has been paid off for 10 months, the other will be in about 6 months)
    *Paycheck Stubs
    *Receipts for paid bills
    *Receipts for major purchases (like appliances,etc)
    *Information about our health insurance policy


  48. Ashley August 19, 2013 at 4:10 pm #

    I have NO insurance right now, but I have been to a walk-in clinic and my local ER.

    I paid cash and was treated.

    If I apply for health insurance, and the insurance did a medical records search, how would they even know I went to that doctor?

    Remember, I did NOT file a claim, I paid cash for this.

    How would an insurance company even find this out?

  49. Nova August 19, 2013 at 8:25 pm #

    They claim that there is no evidence that the car was broken into, I went to see the car and the steering column was apart and I don’t understand why they’re having a forensic locksmith look at it. They took an hour long recorded statement from me like I am a criminal. I’ve cooperated and they even asked for a copy of my phone records! I can’t believe that I have been a customer for years with them and now they suspect me of doing this to myself.

  50. Michal August 20, 2013 at 1:49 am #

    I called in a claim, a live person audio recorded my statement, The other party has no injuries. Now an investigator wants to video tape my statement. Is this legal? Do I have to subject myself to this, or should I seek legal representation?

  51. Willard August 20, 2013 at 8:59 am #

    My pregnant wife and I had an accident last September. The police came and we had a witness and declared the teenager who ran into us the one at fault. This is our first car accident and it’s almost eight months since the accident happened. We still receive statements from our emergency hospital bills… The claims adjuster never return our calls and we have faxed all our bills to them. Our car was wreaked and we even paid $1000 for our deductible and got only $300 back. Do they usually take this long? Does anyone have any advice?

  52. Nettie August 20, 2013 at 9:57 am #

    I am being asked to do a statement under oath soon for an insurance claim I recently reported. I already did a recorded statement with my adjuster. I recieved a letter from the insurance companies attorney saying they discovered reason to have me do this statement along with a proof of loss form????? What is this all about?

  53. Jeramy August 20, 2013 at 10:13 am #

    If I am looking for a home, are there any records that can my real estate agent check to determine if any type of insurance claims were made on the house? For example, roof replacement, water damage, fire, other structural.

  54. Temple August 20, 2013 at 1:24 pm #

    Other driver made an illegal U-turn and was ticketed. The other company claims he may not be 100% liable and want a recorded statement from my daughter. They will not let me rent a car until they have talked to her. Why is the police report & witness statements not enough? I am worried they are going to try to get out of it because of her age. The other dirver also has contaced my insurance company for a claim. Why would he do that if he admitted fault to us? We have an appoinment with lawyer next week but what should I expect?

  55. Maryanne August 20, 2013 at 5:37 pm #

    I’ve had a letter through the post from my current car insurer asking for my No Claims certificate from my previous insurer. But for the life of me I can’t remember who it is, and I can’t find my paper work from last year.

    Is there a way I can easily and cheaply (preferably free) find out who I was insured with before my current cover?

  56. Travis August 21, 2013 at 7:39 am #

    I need to know what what types of insurances adjusters there are and what each type does.

  57. Josette August 21, 2013 at 1:41 pm #

    A neighbor’s tree fell on my property – it is a 4-plex (rental business). the tree fell due to extreme weather/wind. Is there any way you recommend I prepare for the meeting with the insurance adjuster. they already hired a contractor to do the job required due to damage. How should I prepare for the meeting and what should I say? Also, my deductible is very high $2000! – is there any chance to negotiate that?THANKS.

  58. Ignacia August 21, 2013 at 2:58 pm #

    HELP! Need advice on dealing with Insurance Adjuster on Total Loss Settlement Packages? How to determine “FAIR SETTLEMENT”, estimating ACV of comparable vehicle, etc.

  59. Holli August 21, 2013 at 3:55 pm #

    First of all I don’t have a license or care to drive. However, a few weeks ago my boyfriend (driver) and I were in a accident and I now that I have been going to the chiropractor the insurance adjuster keeps asking if him and I live together and how often I spend time at his home or if I receive mail to his address. Why does the adjuster care if we live together or not ? Does this make a difference in my claim since I was injured ?

  60. Cliff August 21, 2013 at 4:13 pm #

    Hello all, I want to become an Insurance Adjuster. What I’m looking for from you guys is some ideas on companies to get started with, and education and training in insurance. How could I land and internship or get a company to fund my training?
    Id love some Ideas on how to get started in Northern California but I’m open to a move to the Midwest.

  61. Allan August 22, 2013 at 1:12 am #

    So a girl backed into my parked car, and i got a quote for 960 dollars for repairs. The insurance adjuster just called me and said she found the parts for cheaper and wants to give me only 660 dollars.

    Is there anything i can do about that?

  62. Collene August 22, 2013 at 12:25 pm #

    I was rear-ended and the insurance adjuster of the guy that hit me recorded my statement(with my permission). Does he have to give me a copy by law? If not, what to do?

  63. Susy August 22, 2013 at 12:30 pm #

    I am interested in becoming insurance adjuster and need (would appreciate) some coaching to take the state test.

  64. Vincenza August 22, 2013 at 8:25 pm #

    I stayed at a famous hotel in Atlantic city (the room was a comp). I woke up with numerous bed bug bites. I saw a nurse at the hotel and never went to a doctor. After investigation the hotel and insurance company admitted they found bed bugs. The insurance adjuster offered $200. How much could/is this situation worth? What is a reasonable dollar amount given this situation?

  65. Tyra August 23, 2013 at 1:35 am #

    I was involved in a severe car accident which I suffered neuropathy of the left brachial plexus (never damaged in the left arm) it was at one point completely paralyzed but after 21 months 85% back. my lawyer is seeking the max but the insurance adjuster only offered 75%. So my lawyer countered (without my permission) but countered with give max deal or.we will sue for that and punitive damages.

  66. Ernest August 23, 2013 at 7:38 am #

    Recently my wife was in an accident on the freeway. The other driver hit her from behind and smashed the back of her car while at a stop. The car has been repaired, but we are still getting her neck worked out. X-rays revealed damage to her neck. My question is regarding the BI portion of the claim. For a few weeks I had to take time off my part time job to watch our baby, as my wife could not use her neck/shoulder. I do not know if this will matter, but I probably lost 600 bucks in wages. The total medical bills will probably be in the range of 5k to 10k when it is all said and done. We have had a great experience with the company paying out the claim so far. What is a fair settlement once her neck injury has been resolved? Will the lost wages be calculated as some sort of “inconvenience”? I’m not trying to take advantage of anyone, just a dad looking to have a professionals opinion. By professional I mean an insurance adjuster… not a personal injury attorney 🙂

  67. Grady August 23, 2013 at 1:54 pm #

    We had some water damage from a leaking water heater and the insurance adjuster wants to bring Serverpro with him. Is this the beginning of a scam? Should I tell him not to come. I want to do the work myself since I don’t want to pay the deductable so is there any point in having them bring the ServePro.

  68. Torri August 23, 2013 at 3:57 pm #

    We are an Abatement company, We remove Asbestos, Lead and Mold and would like some help as to how to I get on a vendor list, become a sponsor or any type of association to be able to get contracts with Insurance adjusters so we can work for them when they receive property and commercial claims that would need our services. Please someone advise.

  69. Dudley August 24, 2013 at 1:48 am #

    Following a house fire. I hired a nationally known company to clean and attempt to remove the smell. When I asked for an update on the costs to date. They informed that they would only send the bill directly to my insurance adjuster and not through me. Also, they insisted they be present at the first meeting, at my home, with the adjuster.


  70. Gavin August 24, 2013 at 10:03 am #

    My mother was an insurance adjuster for Nationwide Insurance. I would like to follow in her footsteps and become one. Do I need to take any classes to become one?

  71. Judi August 24, 2013 at 10:41 pm #

    A neighbor’s tree fell on my property – it is a 4-plex (rental business). the tree fell due to extreme weather/wind. Is there any way you recommend I prepare for the meeting with the insurance adjuster. they already hired a contractor to do the job required due to damage. How should I prepare for the meeting and what should I say? THANKS.

  72. Lucas August 25, 2013 at 8:47 am #

    I was recently in an accident and my car was taken over to a local collision shop. I wanted to know whether or not I have to have an insurance adjuster check out my car through this or any other collision shop or whether i can just have an adjuster come to the collision shop’s lot and check out the car without me having to pay anything but towing and storage fees to the collision shop. Furthermore, can I be there when the adjuster comes in so that I can view the whole procedure?

  73. Karleen August 25, 2013 at 4:27 pm #

    I finally got the insurance adjuster to to agree to settle this case after giving me the run around for over 6 months. I had injuries and the accident was clearly not my fault. I always heard not to settle for the first amount they throw out. Is this true? Thanks

  74. Taneka August 26, 2013 at 5:01 pm #

    The insurance adjuster gave a very low estimate on the damages to our home. We have a contractor in place that was willing to complete the work for $6000. We’ve called around but no one was able to do the work for less. Can we ask the adjuster to come back to our home and look again?

  75. Bruce August 26, 2013 at 8:56 pm #

    I am about 30yrs old and was interested in becoming an insurance adjuster; as I have been dabbling in auto insurance for the past 10+ years. I currenly reside in western Massachusetts and would like to know of any training programs? Licensing. I understand somewhat how to go about obtaining it but how do I receive the proper training? Also what are the costs? Many thanks

  76. Jacki August 26, 2013 at 9:10 pm #

    His Insurance Adjuster claims the driver at fault only had $10,000.00 Property Damages on his Policy. How do I know if this is true only because it’s by word of mouth from his adjuster. I have more In damages. What can I do to see if this is all he has to avoid taking him to small claim courts for the rest of my Market value of my car.

  77. Len August 26, 2013 at 11:56 pm #

    I wrecked my vehicle avoiding a deer and my vehicle caught on fire and the only thing left is the frame and the only thing that wasent burnt up is the bed and rear tires everything else is metal from the bed forward. My question is how will the insurance adjuster determine the value of my truck since you cannot tell what condition my truck was in before the accident . Btw it was in excellent condition I still owe on the truck and I want to make sure not to get screwed over by them saying my truck could have been in bad or poor condition to begin with. Thanks for all the help.

  78. Abraham August 27, 2013 at 7:33 pm #

    Do auto insurance adjusters need to be physically capable of crawling under a car? I’m thinking of applying for a job, but it requires a physical. I don’t want to waste my time, and theirs, if I won’t make it. I have rheumatoid arthritis. I can do everything I want to do, just slower, and for shorter durations. Is the pre-employment physical to see if I can do the job, or to determine how much of a drain I will be on their health insurance? What if I already have other health insurance I will be keeping? It is with GEICO, if that helps. thx!

  79. Ruthe August 28, 2013 at 2:51 am #

    I was recently in an accident and my car was taken over to a local collision shop. I wanted to know whether or not I have to have an insurance adjuster check out my car through this or any other collision shop or whether i can just have an adjuster come to the collision shop’s lot and check out the car without me having to pay anything but towing and storage fees to the collision shop. Furthermore, can I be there when the adjuster comes in so that I can view the whole procedure?

  80. Noe August 28, 2013 at 4:27 pm #

    How do you become and get into the auto insurance business? Or specifically auto insurance adjusters?

  81. Jeremiah August 28, 2013 at 6:32 pm #

    I am thinking about becoming a public insurance adjuster and am just wondering what kind of earnings, (on average) can be excepted here in the State of Indiana?

  82. Stan August 29, 2013 at 4:53 am #

    Insurance adjuster won’t budge on a settlement amount.
    When the adjuster was talking numbers she asked me what I wanted. I told her what I wanted after the medicals were paid and she admitted that she made a mistake and told her boss that was the total amount I was asking for. Now she won’t negotiate nearly to what I am asking for saying her boss already has my starting number and I have to work my way even lower. Can we start over since she made the mistake?

    All correspondence was over the phone. Does tha make a difference?

  83. Evelyne August 29, 2013 at 7:17 am #

    Wanting to do auto insurance adjusting work. The only reason for wanting to do it is b/c i know that property insurance adjuster travel to different states whenever there is a CAT declared. Do auto insurance adjuster get to do the same?

  84. Delora August 29, 2013 at 10:14 pm #

    I am in the process of getting my insurance adjusters license in Texas. I want to be an independent adjuster and work catastrophe claims. I was wanting to know the best way to build a relationship with various insurance companies so that they will call me when they need extra adjusters. Thanks in advance for any help.

  85. Nova August 29, 2013 at 11:50 pm #

    My condo was broken into, my things stolen, and I filed a claim with my insurance company. Every week I call my insurance adjuster and every week he says hes waiting for ppl to call him back (ie the police officer that showed up, etc). How long is it supposed to take and should I speak to his supervisor?

  86. Everett August 30, 2013 at 5:13 am #

    My husband is interested in becoming an insurance adjuster. Are there any other licenses he needs to get before he does this?? Thanks!
    So, if he had ONLY the adjusters license, where could he get hired? Or would he have to work independently?

  87. Kip August 30, 2013 at 8:34 am #

    So a couple weeks ago my mom was hit in the front end of her car, by a police officer. The damage was nothing big, but my mom did go to the hospital they gave her meds, and asked her to stay on bed rest for a week. A city insurance adjuster contacted her and said, ” I dont see how you were injured in this accident?” Where you in an accident before? And, are now claiming this accident made it worse?”

    Also my mom never made any of those claims he just sent a letter asking these questions.

    Does this mean he is trying to get it off the hook on their part? Or what? Please only comment if you actually know what you are taking about. Thanks.

  88. Reuben August 30, 2013 at 12:43 pm #

    i have been working with X company as insurance adjuster for 4 years. Now i just join with other claim adjuster company. However, recently my former manager keep pushing me to get contractor for the Insured i handling before. The Insured (fire claim on building) did not agree with the offer amount and only accept it if there’s contractor willing to repair with the offer amount. The question is, am i holding the responsible for this, as the report and adjustment was edited by my former manager and i’m not working with X company anymore.

  89. Mickey August 30, 2013 at 4:04 pm #

    I am having to phone AllState again and again after I was in a car wreck, as they said they would pay for the car damage but they keep trying to avoid paying. I am getting so stressed by the phone calls – and I was injured so the whole thing is a real pain in the neck (feeble attempt at joke…). How can I reduce the stress (don’t say massage or yoga please!!!!!). Should I get an attorney? Or is there some way to be firm but polite on the phone while I ask for what is rightfully due (from what I have heard about car insurance after a wreck). Any clues how to deal with the evil insurance adjuster on the end of the phone? This is really upsetting me, and it was bad enough being in the wreck.

  90. Jason August 30, 2013 at 6:41 pm #

    I broke my leg this week and on tuesday was told that an insurance adjuster would contact me in about 24 hours. It’s been 96 hours and no call still. Is it normal to take this long?
    This is for a compensation claim from a place I was sightseeing at. I spoke to their safety person who sent me to their insurance parson. She was the one that told me their adjuster would be getting ahold of me.

  91. Norbert August 30, 2013 at 7:23 pm #

    I have an insurance adjuster coming out to my house and I want to know what do I need to have ready for him. For example my list of expenditures, list of damaged personal items, pictures?

  92. Hans August 31, 2013 at 1:14 am #

    When insurance adjusters come to assess the damages on a car after a claim has been made, do they take the overall condition of the car into account when assessing those damages and deciding what will be fixed and how much they will pay for repairs?

    For example, do they assess cars differently if they’re brand new and in perfect condition vs. all beat up and falling apart? Or is it a one size fits all, regardless of condition, kinda thing?

  93. Joyce August 31, 2013 at 2:26 am #

    My car was lost 60 days ago, the insurance agent said that they will need to schedule an appointment to review my cell phone record with me. I have no idea why they need me to come in person and review my cell phone record. It upsets me that they’re investigating about my own personal life so much. I provided them with all the info they asked for like bank statement, cell records, and credit check but still they haven’t done any step towards my car, they’re only investigating about me. They called me asking for a face to face interview with the investigator to review me cell record and I don’t see any reason behind this if I provided them with the record. Please let me know what is going on here.

  94. Ivan August 31, 2013 at 5:20 am #

    First of all I don’t have a license or care to drive. However, a few weeks ago my boyfriend (driver) and I were in a accident and I now that I have been going to the chiropractor the insurance adjuster keeps asking if him and I live together and how often I spend time at his home or if I receive mail to his address. Why does the adjuster care if we live together or not ? Does this make a difference in my claim since I was injured ?

  95. Julieann August 31, 2013 at 6:12 am #

    Pipes froze. Broke. House flooded. Insurance adjuster said he will get the check sent as soon as possible. Anyone know how much time it takes untill they actually send it?Thanks

  96. Isreal August 31, 2013 at 9:56 am #

    I am currently working for a general contractor dealing primarily with insurance claims. I am interested in possibly becoming an insurance adjuster, most likely pertaining to homeowners claims. Just looking for some insight/advice. Also would like to know the requirements/steps to take to obtain my license and a job in the field.

  97. Billie August 31, 2013 at 11:40 am #

    My car was hit while parked 3 days ago. I got the insurance adjusters damage estimate today, how long do i have to take my car to a shop?
    I should mention that the other drivers insurance company has payed for a car rental while the case is settled.

  98. Jenell August 31, 2013 at 2:48 pm #

    I live in Georgia, and wanting some details on becoming an auto insurance claims adjuster, I currently work for an towing company have some experience in vehicles.
    also, how much money do they make?

  99. Berenice August 31, 2013 at 8:16 pm #

    Recently in a car accident were the other driver is at fault. There’s a claim for injury. Their insurance adjuster is sending me an application for MediCare, and says a recent law requires me to do this MediCare paperwork. Sounds like a line of crap. Can anyone give me any insight on this?

  100. Arnulfo August 31, 2013 at 9:07 pm #

    I live in Tampa FL does anyone know how to become a insurance adjuster and what the schooling is??

  101. Clarisa September 1, 2013 at 2:13 am #

    I am considering attending an independent insurance adjuster course at “Mile High Adjusters” in Denver Colorado. Anyone have an experience with this school? They make it sound like a very lucaritive field. Is this true? Thank you!!

  102. Darwin September 1, 2013 at 7:41 am #

    What is the name about 2 insurance adjusters that travel around and check out real life stories like the rocket engine strapped to the car in az and the 2 guys trying to get into the metallica show. It seems like its a movie about the darwin awards, I wanna say that the guy is kevin spacey but im not sure.

  103. Arturo September 1, 2013 at 2:28 pm #

    Two days ago we had a significant fire in our home. Much of the damage is heavy smoke throughout 95% of the home. There are also questions around structural damage to the crawl space below. While the insurance adjuster has been very nice up front, I do understand he does not work for us.

    I am looking to find those that have experience in hiring a Public Insurance Adjuster to protect my interests? Was the cost beneficial? Would you use another in the event of a catastrophe? What were some valuable services they gave you? What percentage of the settlement did you have to pay them?

  104. Libbie September 1, 2013 at 8:21 pm #

    I am completely new in the world of insurance and am ready to make a killing!
    I just finished and passed the Texas All-Lines test, I will be sending the state all my paperwork this weekend. Just needing some guidance of what to do when they send me back the certificate? Or is it THE real deal (Insurance Adjuster License)?

  105. Rickie September 2, 2013 at 9:31 am #

    I live in Ohio which doesn’t have an insurance adjusters license so I am planning to take the Indiana pre-licensing course and exam for nonresidence which I hope use to get a job in Ohio. I also have an associates accounting degree which I hope will help.

  106. Daniel September 2, 2013 at 10:53 am #

    Will an insurance adjuster representing the fault driver tell me what coverages the at fault driver was carrying? Someone told e they will never release this information, but I need to know as my medical costs are mounting.

  107. Ayako September 18, 2013 at 10:37 am #

    i got into a car wreck . i reported the car as being stolen.. later on i talked to the state trooper who found my car abandon and he forced me to give him the real statement after i had already started a claim with my insurance company for TOTAL LOSS… i was arrested for giving a false report to the police. but now what do i tell my insurance

  108. German September 19, 2013 at 8:19 am #

    I have an idea for a proposal to the federal government (Congress or whatever federal agency regulates life insurance companies):
    1) Create a law or regulation to require all life insurance companies to submit the names (and possibly more information) about every insured person to a central database (like credit card companies submit information to a credit bureau), and
    2) When a person dies, the family be able to search this database to see if the person had life insurance and, if so, which life insurance company to contact to file a claim.

    This would certainly help with the problems of lost life insurance policies and of families that are sure that someone who died had insurance, but do not know have any documents indicating this, and do not know which life insurance company issued the policy.

    There would be some administrative expense, but it should be much less than for credit reporting, since each policy would only need to be reported once, and creditors do not mind reporting several times a year.

    Is this a good idea?

  109. Rod September 19, 2013 at 4:18 pm #

    This is the first time in filing a claim. The pipe in the upstairs apartment burst. It flooded the whole apartment as well as the downstairs apartment.

    The people in the downstairs apartment are living in a motel right now. I already called in to file a claim and I was told an adjuster will call me the next day.

    How does this work? Will the insurance adjuster make a visit? The insurance company is far away. Do I need to take photos? I still haven’t receive an estimate for repairs yet.

    Should I wait to get an estimate before agreeing to anything?

  110. Robin September 19, 2013 at 7:48 pm #

    A woman change lanes and hit me with her front left tire and filed a claim to fix prior damage (A foot long gash) on her rear left door. The only damage I received where tire marks on my front right fender that washed right off. I saw the gash was painted in and took a photo of it at the scene. I found out her insurance relied on the body shop estimate and no one from her insurance came out to look at her car to see it. The insurance adjuster is also based in Arizona. My car is white with white painted side mirrors. She also did not give them my contact info or my insurance so there was no way for them to contact me when I called to file a claim against here. This made me believe she was running a scam. At the scene she also had an expired insurance card and did not know whether she had insurance.

  111. Irvin September 23, 2013 at 11:15 am #

    I was considering just going to accredited university in NYC for Criminal Justice degree but is there a school/program that is more oriented specifically to help pursuing a career as a PI?

    Also, what is the typical career path in this area? Do most just work as police officer for while then apply for the state license or do they take a degree and intern? And how does a PI actually take on work/cases? How would a PI work for an agency? How would a PI work independently? What are the pros and cons for both options?

  112. Janelle September 24, 2013 at 4:08 am #

    If I dont go to the doctor this afternoon will my employers beable to tell? Do they get statements showing when we go, etc?

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