Insurance claim adjusters, claim specialist, claim representatives or independent claims analyst are basically same (they're just came with different title). They all do the same job. If you file a claim, they will contact you, gather the information about the accident, investigate and so on. Keep in mind that insurance claim adjusters work for the insurance company not the insured. They will try to settle the claim as soon and inexpensively as possible. Therefore, what would you say to claim adjusters will be so important to the success of your claim.

I already talk about what kind of information you need to submit to claim adjusters, in this case auto claim adjusters, you can read in here. It is important to understand that you need to be very careful about anything you say to the claim adjusters. Do not exaggerating your injuries or acting tough as you might not want to appear like a cry baby. This can affect your settlement value of your claim as your insurance company think that your injuries are not that bad while your injuries were indeed serious or you exaggerating your injuries while in fact you only have minor injuries. In this case, you can politely tell the claim adjusters that you want to speak with an attorney before you say anything. This also apply when the adjusters ask if they can record your conversation. The claim adjusters will use the conversation record to examine your testimony, they can suggest you are exaggerating or giving misleading information regarding your accident. 

Another helpful tip is please be careful when signing settlement agreement and claim release. In case you were injured, speak to an attorney before talking to the other driver's insurer to avoid saying or signing the wrong thing. Seeking advice from an attorney may prevent you from personal injury claim losses or not getting paid what you deserve. There are plenty attorneys who offer free consultations and only charge fee if they are successful in handling your case. Receiving advice from a reputable attorney could be invaluable in case you got a serious accident with serious injury or even death.

Nobody wants to involved in car accident and sometimes filing insurance claim could be exhausting and involving long process. According your car insurance type, you need to file a claim to your insurance company when your car collide with another vehicle, being vandalism victim, stolen or damaged from weather, animal or fire. Make sure you prepare your personal data, such as policy number, your policy's duration, date and time of incident, and so on. Your insurance company might ask further question in the process to complete your statement. The more detailed information and evidence you can collect, the better. 

Information You will Need

Pass all of these information to your claim adjuster and make sure you also have the copy for yourself. You also need to contact your insurer as soon as possible. It will be easier for them to get accurate data. If possible, call them from the scene of accident. Even if you ask for your claim adjuster to proceed the claim, you need to be cooperative and prompt. Good communication is the key to speed up your claim process. And last but not least, be honest. Even if you are at fault in the accident, don't try to get out with lies. Insurance fraud could cost you a lot more money than the premium itself. 

Insurance claim is a formal demand to insurance company for a payment based on insurance policy. Claim may be filed directly to insurance company or filed through their insurance brokers or agents. Insurance broker/agent duty including sells, solicits, and/or negotiate insurance for compensation. Marsh & McLenna, Aon Corporation, Arthur J. Gallagher & Co and Willis Group are the largest insurance brokers in the world based on revenue. 

Insurance company reviews the claim for its validity and will pay the claim to the insured or third party (broker or agent on behalf of the insured) once the insurer approved. Most insurance company claims department hire a large number of claim adjusters. Claim adjusters or claim handler will investigates insurance claims by interviewing the claimant and witnesses, consulting police, checking hospital records, and inspecting property damage to determine the extent of the insurance company's liability.

These are typically claims adjusters' duties :

Insurance company need to balance the elements of customer satisfaction, administrative expenses, and claim overpayment leakages. The company have to manage and overcome the major business risk, fraudulent insurance practices. It may lead to a disputes between insurers and insurance company and could escalates into litigation.