Rock Talk

Who ya gonna call?

Last updated on November 22, 2019 at 09:03 am

Although we like to keep the tone light in these blog posts, it’s no secret that the period following a car accident is anything but. There’s a lot to think about and it can quickly turn into a stressful situation: Who do you call? Are you covered? How do you file a claim? How do you collect payment for a claim?

In these situations, your claims adjuster, more commonly known as “claim representative,” will be your point person – he or she will assist you through the process of resolving your insurance claim.

The claims adjuster’s job is to determine coverage, liability and damages based on objective information they obtain through their investigation of the claim. Throughout the claim process, the claims adjuster may be assisted by other specialists who will inspect the vehicle or vehicles involved in the claim, and meet with people who were involved in the accident to obtain in-person information. The claims adjuster will collect information from people who were involved in the accident and from witnesses to the accident as part of their investigation.

If your claim is covered, your claims adjuster will issue payment to you or the registered body shop you choose to repair your vehicle, at your direction. Your claims adjuster is available to you if you have any questions regarding “What happens next?” at any time during the claim process.

FYI, here are some other claims-related terms defined:

Coverage –  whether, and if so to what extent, the insurance policy may provide payment for the accident or loss

Liability – often called “fault,” this is the determination of who (and there may be multiple “whos”) bears what portion of responsibility for the accident or loss

Damages – the cost to repair or replace property, the cost of medical treatment and in some instances, the monetary value of other elements of loss

Visit our online dictionary of auto insurance terms and definitions for more information on just how important a claims adjuster is when you’re in a car accident.

Click here for more information about insurance in your state.

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