A claim adjuster doesn’t always know you are sick before you even get to an initial consultation with them; and a public claim adjuster will not know if you have a medical case until they review your policy in full. If you see a public claim adjuster making bold and high claims about how much you can recover on your policy before you even see your policy in full; and they have not even read your policy in full before giving it to you; then you may be dealing with a more than a little pushover. Here are some reasons why your claim may never make it to the point where you can collect what you are owed.
All insurance companies do not do this and many of the “big dogs” won’t even have someone read over your policy for free. The reason is simple; they don’t want to be held liable when a person has an injury or illness on their policy and they have no means of proving the fault of the other party. That’s why they pay for medical experts. When they see a claim for millions of dollars, most of them will go out of business because they are so concerned about being sued by their client that they just refuse to pay the claims.
In reality, these types of public claims adjusters are paid to look at insurance companies’ policies and determine their responsibility for any damages or injuries that occur on their property. If they see a policy that is worth thousands of dollars and they cannot prove the fault of the other party, they have absolutely no legal way to collect the amount. They cannot sue a company and hold them liable unless they were negligent and had actual knowledge that their property was unsafe.
You should try to hire an independent person to help you this may sound like common sense, but most people just don’t bother to go through the trouble of hiring an insurance company’s agent. They assume that whatever the agent tells them will be the truth. But that’s not the case as there are several independent companies that review insurance policy documents, and are experts at doing all the legwork on your behalf.
There are also claim adjusters who specialize in personal injury law, which includes all aspects of personal injury law. You should make sure that your claim adjuster specializes in the area of law that pertains to your particular injury or medical condition. and your specific claim. Also, you want to find out what kind of medical records your adjuster keeps, including records that contain any pictures or x-rays, or laboratory reports.
There is a reason why so many claim adjusters charge you for their time and effort: They have no other source of income and because they receive very little from their work and cannot charge their fees for their services if they do not win your case and get your medical bills paid. That’s why so many of them are willing to accept your case for a fraction of the amount they would receive if you simply hired a private attorney to represent your case for you.