Understanding the Role of an Insurance Adjuster

An insurance adjuster will never be promoted if he or she consistently pays out a significant amount of money for every case. Even if a particular case clearly warrants a higher payout than the majority of others, if an insurer can find a way to pay less, its profits will ultimately increase. Therefore, one can safely assume that it’s nearly impossible for an insurance company to justly evaluate how much money should rightfully be paid out in a car accident case. Instead, it is looking for a way to minimize the amount it must pay.

Follow this logic one step further and allow the possibility that the adjuster is dishonest. That adjuster already has an incentive to make sure that car accident victims are not fully compensated—his or her own company’s bottom line. By under-compensating victims, the adjuster can truthfully say he is increasing his company’s profits, and, more than likely, pleasing management. So where do you turn if you cannot trust that the employee you spoke with from the insurance company will honestly represent all the facts surrounding your accident? Is your honesty enough to protect your right to a fair payment if you do not have a lawyer on your side? Sadly, our experience shows that it is not.

Every statement made to an insurance adjuster is a statement that opens the door for abuse. The reason this is true is called a judicial admission, or an admission against interest. This is a statement made by a person involved in a case admitting a fact that is not to their benefit pertaining to the case. That statement can then be used in court against the person who made it.

At Breyer Law Offices, P.C., our experienced Peoria personal injury lawyers have helped many auto accident victims receive the compensation that they deserve. Don’t allow insurance adjusters to control the outcome of your case. Let us help. Contact our skilled attorneys today for a no-obligation, free consultation of your potential case.

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