What are the best insurance adjuster secrets can you give me? One of my readers wrote … the answer is not a simple one since there are many different types of strategist out there to get you to settle for less. Since we can be talking about property damages, wage loss, pain and suffering, total loss, rental cars, and many other types of claims, I will give you the most common insurance officer secrets and techniques use when negotiating in general. The ones the insurance company taught me when I was working for them.
- Playing musical chairs – A very common technique. Adjusters love to "change", "reassign" or "exchange" claims among them. Many times the adjuster supervisor steps in and re assigns the claim. This makes you renegotiate settled points. Dealing with new adjusters helps the insurance company isolate different issues. Joe will settle the total loss, Ben will settle fault, and Karen will settle the injury. This way, insurance adjusters can "throw" the ball among them, and they do not have to give you a straight answer. "Well sir, I think the answer is A, but you need to talk to Ben about that and he is out of the office for a week".
- Changing the shape of the money – "I am very sorry that you had a headache and lower back pain for more than two weeks. a trip to Mexico for two. Why do not you treat yourself and take your wife in a nice Caribbean cruise? " This is very powerful. Adjusters do this every day and this one is only one of their powerful strategies. If the adjuster is settling a younger person, the offer would be $ 250 for an IPod or a PSP. This "helps" the injured party spend the money in their heads, and makes them want to settle. Remember, you are settling for pain. You want money, not IPods, Cruises, Laptops, or Video games.
- Time of the day – Adjusters want to call you when it is inconvenient for you. Yeah, they want time to be able to explain their position, but not give you much time to rebut. They probably will hate me for revealing one of the most rude insurance adjuster secrets. They will call you at 7:30 AM when you are about to go to work. They want to put pressure on you so you settle right there and then. It "helps" you think "I am done dealing with this people. I just settle and move on with my life". You can turn this one around. Call the adjuster just before their lunch hour or before they leave for a three day weekend. They want to get out of the office and go home; you can get a better offer if the adjuster wants to go see their family.
- Christmas is a wonderful time for Insurance Companies. Every one seems to be broke right before or after Christmas. Even if you are not a Christian, it just seems that the retail industry is able to sucker all of us into spending more than we have. Consequently, most people are broke right about then. Insurance companies push adjusters (I was one of them) to be more aggressive around this time of the year. They also apply this technique around other holidays. Think about it. You need money for the kids' toys? So Why not give in and settle for $ 1,000? Adjusters are savvy and this is a great time for them. Where I used to work, December and January were the best times to settle claims. Our success rate increased by 70%.
- The Mute Button-one of the most powerful insurance adjuster secrets. I was trained to give an offer and hit the mute button. The rule was that we could not emit a sound after the offer was on the table. This often worked. You were ensuring that you would not make a second offer in the same conversation. If my offer was $ 10,000 then I wanted to hear a response. I did not want to say $ 10,000 but if you settle today $ 11,000. This would be considered bidding against oneself. Insurance adjuster will never (unless the adjuster is not trained correctly) give you two different offers in the same conversation. They will give you an offer and wait to see what you say. Use this against the insurance company. Counter offer and hit the mute button!