During my years as an insurance adjuster I came to realize that most insurance companies hire inexperienced adjusters to handle most of the smaller property damage claims that come through the doors.
When I first started adjusting insurance claims, the best pay I could find was $22K per year, and when I started adjusting claims that was okay money, but I could have worked 50 hours a week at a grocery store for $9 or $10 per hour and made just as much or more.
Critical thinking is a skill that I believe everybody needs to master. Some people just don’t have the capacity to think in a critical manner, but for those of us that do, the tactics involved can help to resolve all types of problems, including insurance claims.
I recently wrote and article about critical thinking as it relates to claim negotiation. Here is a link to the full article. In summary of the article, remember these 6 seemingly simple rules (they are easy to understand, but hard to enforce upon yourself).
1. Never assume anything
2. Listen carefully
3. Keep notes
4. Research on your own
5. Remember what you believe is always an opinion (facts are only the opinion of the majority)
6. Make sure you understand before you settle
Did you know that if you purchase a used vehicle, the tax office will calculate the value of the vehicle and charge you taxes on their value and not what you paid for it (unless you paid more than their value comes out to)?
If you want to get around this, contact an adjuster and get a certified tax value. You can save hundreds off of used private auto sales tax!