An adjuster is a representative of an insurance company who determines the value of a claim and whether it warrants compensation. Dealing with this professional is a normal part of filing a personal injury claim; but, going into this type of situation, many people aren't clear on the specific responsibilities this person handles or who they ultimately work for. Below is a brief guide to what they do and who they represent.

An Insurance Adjuster's Goal

The goal of any claim that passes an adjuster's desk is twofold. Since their loyalties lie mainly with the insurance company, they have a vested interest in paying out as little as possible in personal injury claims; in fact, this is one of the yardsticks management uses to measure their job performance. That's not to say they can’t be kind and compassionate; but, they work a company whose aim is to retain as much money as possible.

Adjusters also prefer to avoid personal injury lawsuits. Preventing this requires some careful maneuvering. They must balance paying out comparatively little on a claim while satisfying the victim enough to avert legal retribution.

Factors Involved in Determining an Offer

An adjuster must calculate how much a claim is worth to find that balance. They must take into account the various factors of the case, as well as the accident that precipitated it. For instance, variables include expenses, such as medical bills and any need for future care. They also consider losses, like lost wages due to being out of work, as well as the pain, suffering, and emotional distress a victim endures.

Once they come up with a dollar amount that encompasses the above setbacks, they offer the claimant a settlement. In most situations, the figure reflects the absolute minimum the insurer can get away with to pay the victim something and avoid a lawsuit. At this point, a claimant and their lawyer negotiate with the adjuster to reach a settlement that better meets the injured person's needs.

If you’ve been hurt in an accident, enlist an attorney who will fight for the compensation you deserve. The team at Goddard & Hammontree LLC represent clients throughout Whitfield County, GA, in all aspects of personal injury cases. They provide quality legal counsel and representation through every step of the process and will handle negotiations with the insurance adjuster. Call (706) 278-0464 or visit the website to make an appointment today.