How do you answer insurance questions?
Try to answer each question in as few words as possible. Don't explain. If you are specifically asked to explain, do so in as few words and with as little detail as possible. Don't volunteer information.
Before you blow your lid and spout angry words at the adjuster, take a step back and calm down. Acting rashly or saying something harsh will do nothing for you or your claim. After you've taken the time to cool down, write a brief letter responding to each of the factors the adjuster mentioned.
Stick to what you know for sure and be clear and concise in your answers. If you do not know the answer to a question, say so, rather than guessing or making assumptions. “I can't be sure, but I'll bet the other driver was on the phone” is classic speculation that is best left out of a statement.
Remember this motto: Stick to the basic facts. Don't add opinions such as who's at fault, what triggered the crash, or what the damages might be. More importantly, don't lie or even embellish the facts, as this can compromise your insurance claim and become grounds for serious legal trouble.
An insurance claim is a formal request to your insurance provider for reimbursement against losses covered under your insurance policy. Insurance is a financial agreement between you and your insurer. You have to pay a fixed premium.
- Retain a Lawyer. A lowball offer is a red flag that the insurance company is not treating you fairly. ...
- Analyze the Offer. ...
- Reject the Offer. ...
- Wait to Settle Your Claim Until You Recover. ...
- Make a Counteroffer. ...
- File a Lawsuit.
It's okay to make a counteroffer when an insurance company offers a settlement, but you have to make an educated decision before moving forward.
Insurance is a contract (policy) in which an insurer indemnifies another against losses from specific contingencies or perils. There are many types of insurance policies.
Companies record conversations for “quality assurance” or “training purposes.” However, that does not mean the insurance company cannot get those recordings and use what you say in them against you. You may not have the option to opt out of a recorded conversation.
Insurance adjusters will ask for a recorded statement as they are gathering information soon after the accident. This helps them to determine fault and how much compensation should be paid.
What questions should I ask my insurance adjuster?
- “Will you admit fault for the accident?” ...
- “How much insurance coverage does your driver carry?” ...
- “Will you pay for my car to be repaired to manufacturer's specifications, without used or after market parts?” ...
- “Will you pay for my medical bills and lost wages as they are incurred?”
- Tell me something about yourself.
- Why do you want to be a claims adjuster?
- Are you comfortable working nights and weekends?
- What do you know about our company?
- Why do you want to work here?
- Where do you see yourself in five years?
- What's your greatest strength?

Upon concluding the investigation, the claims adjuster will give a recommendation to the insurance company whether or not to approve your claim. While the insurance company can choose not to follow the adjuster's recommendation, the two decisions usually align.
a demand for something as due; an assertion of a right or an alleged right: He made unreasonable claims on the doctor's time. an assertion of something as a fact: He made no claims to originality.
When the holder of an insurance policy experiences a sudden and unexpected event that costs them money, it's called a loss. Following a loss, the policyholder can ask their insurance company to pay them for what they've lost. This request is called a claim.
An insurance claim is a formal request from the policyholder to their insurance company asking for payment after a covered incident, such as a hospital stay, a natural disaster, theft, and more.
It pays off for insurers to issue lowball settlement offers because many of those injured in crashes simply accept them, no questions asked. Often, this is simply because they don't know better or are drawn by the allure of a quick payment.
Just tell them. My decision was already made but I politely told them I would need to think about it and would call them by 5pm. “Thank you for the offer… Unfortunately the hourly rate you offered is not enough for me to consider taking the position…”.
- Don't be insulted. Emotion tends to drive most of our decisions; we use logic to justify them after the fact. ...
- Respond gracefully. ...
- Write a strategic counteroffer. ...
- Expect a counteroffer to your counteroffer. ...
- Negotiate other terms.
If you do not accept a settlement agreement, your case will proceed to the next steps. If you have already filed a lawsuit, this means you might have more hearings and eventually go to trial. When a case goes to trial, that introduces the chance you could lose in court.
What is an acceptable counter offer?
The rule of thumb when you negotiate salary with a counteroffer is between 10% and 20% of the offer amount. If you like the job and would accept the first offer rather than pass on the job, a counteroffer of 10% to 15% above the initial offer is not too aggressive.
- determine the value of your claim.
- adjust the value of your claim.
- evaluate the adjuster's offer, and.
- prepare a counteroffer.
- Importance of Insurance. Understanding the fundamental role of insurance sets the stage for informed decision-making. ...
- Types of Insurance. ...
- Determining Coverage Requirements. ...
- Researching Insurance Providers. ...
- Policy Inclusions and Exclusions.
Insurance coverage is the amount of risk or liability that is covered for an individual or entity by way of insurance services.
Health insurance is a critical piece of every financial plan. An unforeseen diagnosis or a major accident can leave you with a six or seven-figure medical bill.