In order to make sense of insurance, you need to know some basic terms. Sadly, no one discusses these terms with anyone. Ever. Seriously, I did not know what these meant until I went to work for the insurance industry….
Posts Categorized In: Auto Insurance
You don’t need to sign their forms or give a recorded statement
Insurance adjusters like to demand you do things. You must do this. You must do that. You have to cooperate with them. (And with certain things you do have to cooperate – if you are making a claim to your…
Insurance companies track every single claim
It is scary how much the insurance companies know about you. They know everything. They know where you live. They know where you lived previously. They know who lives with you. They know everything. Remember, insurance companies track EVERY claim,…
Insurance companies accept chiropractic treatment
Insurance adjusters like to tell people that they don’t “accept chiropractic treatment.” First, I don’t even know what that means. I didn’t realize adjusters had so much power as to accept or reject certain treatments. They may look disfavorably on…
Talk to an attorney about your car accident
If you have been involved in a car accident, talk to an attorney. It may be that you do not have a case, it may be that you can handle it yourself, or maybe you need to go to small…
Stop Reading the Internet About Personal Injury Claims
This is a huge pet peeve of mine. It sounds weird to write it where people are reading it on the Internet, but please stop reading the Internet. Look, I love the Internet. It is great for a lot of…
Do NOT sign any papers
If I had my way, I would write it this way: DO NOT SIGN ANY PAPERS! I have said this before, and I say it again: DO NOT SIGN ANY PAPERS! Seriously. This is a huge issue. Put yourself in…
Call the adjuster, don’t take the adjuster’s calls
Adjusters like to call you. Why? Well, there are numerous reasons. First, when they are negotiating, they believe they have more power if they call you. There was some study done on negotiating years ago that seemed to support this…
Short and simple – be pleasant
This may be the shortest post I will write on this blog, but here goes. The insurance adjuster is not your friend. However, the adjuster is a person and you should treat him or her that way. Even when I…
Do NOT talk to the other driver
It is everyone’s instinct to want to talk to the driver of the other car. Maybe you want to apologize. Maybe you want to ask them what they were thinking when they ran a red light. Maybe you just want…