You've just had an accident with that brand new car of yours. Fortunately, if you're following New York state law, you have auto insurance and the claims adjuster at your insurance company will see things in your favor. According to Heather Thomson of State Farm Insurance, claims adjusters or representatives take a customer's claim, review it for accuracy and determine whether a policy covers the damage or loss and, if so, how much is covered.
Many adjusters handle claims from their office.
They get in touch with policyholders by phone or mail to get information about repair costs, medical expenses, etc. After these costs are figured, many firms will give the customer a check for the claim immediately. More complex cases are handled by independent adjusters who investigate the claim by checking police or hospital records, interviewing witnesses and taking written statements and photographs at the site. If a claim is determined to be valid, the adjuster also negotiates a settlement with the claimant. When necessary, they confer with legal counsel if a claim is disputed and litigation is forthcoming.