Automobile Insurance Claims Santa Fe New Mexico NM

Reader’s Question:

My friend was involved in a car accident here in New Mexico. He mentioned that he’s having a problem with his insurance claim because the other party’s auto insurance adjuster is giving him a hard time. What are auto insurance adjusters? What are their roles in car insurance?

Janet

Santa Fe, NM

I’m sorry for what happened to your friend.

When a vehicular accident happened, people involved will most likely file an auto insurance claim. Once that claimed has been filed, you will be contacted by an auto insurance adjuster (or for some companies they are called claims representative or adjuster).

It is the job of an auto insurance adjuster is to investigate and gather all facts and information about the accident to assess and settle both personal injury and vehicle claims. To name some of the things an auto insurance adjuster does: he or she examines property damage to find out the extent of liability; check polices to determine the coverage; interview witnesses, claimants; and check hospital and police records.

If an auto insurance adjuster is from the other party, (the other driver involved in the accident) then you must careful with what you say. The reason for this is simple, if it’s your own auto insurance company, they are responsible to pay you the amount depending on your policy limits. However, with the other party’s auto insurance adjuster they only have one goal, to make your insurance claim as small as possible. This is because if their insurer is at fault, then they may be liable to pay you not only medical bills or vehicle damage but also damages including your pain and suffering, lost salary, and other expenses that you have incurred or will incur.

Check with your trusted insurance agents for more information on what to do when you are asked by auto insurance adjuster. You can also check on different websites on how to handle insurance adjusters in Santa Fe, New Mexico. But the best advice I can give you is to be safe whenever you drive to avoid an accident from happening.

Tags: auto insurance claims, car insurance