How it works
After you report a claim, the insurer has an adjuster look at your damage, either in person or from photos, and write a repair estimate. The insurer usually bases its payment on that estimate. If a repair shop finds more damage once work starts, you or the shop can ask the adjuster to raise the estimate.
States license adjusters, and New York, for example, describes two kinds you may meet:
- Independent adjusters handle claims for an insurance company and are paid by that company.
- Public adjusters are hired by the person making the claim to evaluate the loss and negotiate the payment. They charge a fee, set out in a signed agreement.
If you disagree with an adjuster's figure, ask for the estimate in writing, get your own repair quotes and ask whether your policy has an appraisal clause. You can also contact your state insurance department.
Related terms
Sources
- Texas Department of Insurance, Auto insurance guide adjuster inspects damage, estimate sets payment, asking for a higher estimate
- New York Department of Financial Services, Automobile insurance FAQs independent and public adjusters
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