How to Deal with Difficult Adjusters
(When Insurance Companies Aren’t Playing Fair)

Summary

How to Deal with Difficult Adjusters (When Insurance Companies Aren’t Playing Fair) breaks down the challenges faced by individuals dealing with insurance companies after an injury. Jordan, who specializes in advocating for injured victims, offers insights into the tactics often used by insurance adjusters to minimize or deny legitimate claims.

The discussion begins with Jordan explaining that in the past, insurance adjusters would work to fairly evaluate claims, but now their primary focus has shifted to finding ways to minimize payouts. He describes common tactics that adjusters use to either delay or outright deny claims, such as blaming the victim for the accident, asserting that injuries were pre-existing, or downplaying the severity of the crash. These practices, Jordan notes, are part of an overarching strategy by insurance companies to save money by reducing the value of claims.

Kevin then asks about the incentives adjusters have to minimize payouts, and Jordan reveals that adjusters are often rewarded for settling claims quickly and cheaply. When a claim is opened, an adjuster sets a “reserve,” which is an estimated budget for the claim. If the adjuster is able to settle for less than this reserve, they may receive a bonus. This creates a financial incentive to close claims quickly and at the lowest possible amount.

Next, Kevin seeks advice for individuals trying to avoid being pressured into lowball settlements. Jordan advises people to remain calm and cautious when they are offered an initial settlement, often a small amount, immediately after an accident. These early offers are intended to capitalize on a victim’s uncertainty about the full extent of their injuries, which may not become apparent until days or weeks after the accident. He warns against accepting any settlement before receiving proper medical treatment and understanding the full scope of one’s injuries. Once a settlement is accepted and the release is signed, it’s very difficult to undo the agreement, even if further medical issues arise later.

Jordan further explains that individuals are not legally required to speak with an insurance adjuster once they’ve hired an attorney. His firm advises clients not to discuss injuries with adjusters, as it can lead to the adjuster using statements against them in the future. Instead, clients are instructed to politely refer adjusters to their attorney if any questions about injuries arise.

The conversation then shifts to the dangers of trying to handle a claim without an attorney. Jordan emphasizes that insurance companies are highly experienced, with access to vast resources, data, and legal support. They will attempt to convince individuals that their case is worth less than it truly is, often exploiting the victim’s lack of experience with the process. He also notes that people, particularly men, tend to downplay their injuries initially, which can later be used against them in court.

As the discussion progresses, Kevin mentions the ubiquitous insurance commercials that promise friendly and helpful service, to which Jordan responds that these ads are merely marketing ploys. In reality, these companies often provide subpar settlements to their clients, despite their reassuring advertisements.

Jordan also addresses how to deal with aggressive adjusters who become hostile during the claims process. His advice is to remain calm and professional, mirroring the adjuster’s tone without escalating the situation. Being firm yet respectful helps to establish credibility and ensures that the claim is treated seriously.

Finally, Jordan advises anyone who feels uncomfortable or unsure about their claim to consult with an attorney. This ensures that they don’t go into the process unprepared and gives them the legal expertise needed to navigate the complex world of insurance claims.

Throughout the interview, the focus is on empowering injured individuals to be aware of the tactics used by insurance companies and to seek professional legal help when necessary to ensure they receive fair compensation for their injuries.