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How Do I Challenge What An Adjuster Wants to Pay on a Total Loss?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/28/2012

Never settle for a claims adjuster’s first offer on the value of your vehicle.

When trying to settle on the amount of how much a vehicle is worth, never take the first offer given by a claims adjuster. They are not exactly in business to give money away, so don’t expect that this first offer is going to be fair.

First, find out how they arrived at their number. Also, be prepared with counter offers and verification (listings of the same vehicles in your area for sale) of why you are asking for the amount you are. If you feel that the adjuster is rejecting your request and verifications for unfair reasons, or they keep changing the criteria of what your verifications have to have to be valid (distance, make, year, model, etc.), ask to talk to their supervisor. If you get nowhere with that supervisor, ask to speak to the one above them.

Finally, if you still have no resolution and you aren’t getting anywhere, as long as you feel you have a reasonable amount you are asking for don’t be afraid to file a complaint with the state about the adjuster and the insurance company.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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