Auto, Vehicle, Car Insurance Claims Advice and Help
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Or, get car insurance claims advice and answers involved with a total loss car auto claim at your finger tip (and consultation with Ron Cercone) with a car insurance claims advice and self help eBook from UClaim.com . You will find eBooks “a-la-carte ” for your own claim situation, or a “deluxe” version which includes all of the other total loss car auto related eBooks. The most popular car insurance claim UClaim eBook is entitled “TOTAL LOSS AUTO INSURANCE CLAIM ADVICE AND HELP – DELUXE VERSION WITH APPENDIX – HOW TO DEAL WITH YOUR OWN INSURER AND THE OTHER INSURER “. This Deluxe version INCLUDES all of the other UClaim eBooks in the Automobile category. You can view the UClaim.com description and Table of Contents . There is also a free 2nd eBook offer now at UClaim.com.
You may have been paid $10,000.00 for a vehicle that you know was worth $15,000.00. Perhaps you were made to feel that you got a huge favor when they gave you a few more dollars. You may have grudgingly accepted the settlement without putting up a fight. You may have had a knock down drag out fight and achieved little or nothing.
HOW COULD THIS HAPPEN?
Very easily, by a combination of several factors such as: corporate cost cutting, over dependence on computer technology and good old human nature.
CORPORATE COST CUTTING has reduced the skilled work force. Claims personnel are over loaded and under trained. Morale is down. The average claim adjuster today has little idea how to properly appraise the value of a vehicle. He or she is reliant on computerized appraisal services like CCC or ADP to put a value on your vehicle. Most adjusters have never even seen your vehicle. Your vehicle description may be transmitted through several people. These computerized appraisal services began in the early 1980’s and now account for at least 99% of all vehicle claim appraisals. They are an excellent first line of defense for insurers. Why not throw them at the policy holder and see what sticks? Most will stick because most policy holders are overawed by these 10 to 15 page reports.
OVER RELIANCE on computer technology has given insurance company personnel a sense of over confidence in computerized appraisal company reports.
These computer reports are more show than substance. They are packed with irrelevant and repetitious information. They may be up to ten or fifteen pages long. In contrast, a traditional appraisal report takes less than one page. (You can see several examples of what a simple easy to read one page appraisal report should look like in the UClaim eBook “Total Loss Auto Deluxe.”) The real effect of these new computerized appraisal reports is that the average person (and adjuster) is over awed. It looks so good, how could it possibly be wrong?
In fact, these computerized appraisal reports often contain erroneous and outdated information, “garbage in garbage out” as the saying goes. They also often fail to comply with the Unfair Claims Settlement Practices Regulations. Ironically, these appraisal reports include verbiage stating that they do comply with insurance law! It’s a mockery of the intent of the law. Our American insurance industry advertising makes the propaganda of 1930′s Nazi Germany look like childs play.
Insurance companies were once forced to convert to “easy read” policies. The same thing needs to be done with their computerized appraisal services. If you think today’s insurance policies are hard to read, you should have seen the ones fifty years ago with their legalese “wheretofores” and “wherehows”!
The potential unreliability of these reports is compounded by missing and erroneous information given to the computer appraisal company by the insurance claim personnel. This can even be intentional. I will never forget the statement made by one very conscientious adjuster who said that she could never settle her claims because her company instructed the computer appraisal service to rate all vehicles as “below average dealer” condition. She would cross out my “average dealer” field condition rating and enter “below average dealer” before sending my field inspection report to CCC or ADP to finish the valuation.
HUMAN NATURE is a significant factor. The greatest obstacles to overcome are pride and force of habit. No adjuster wants to even consider that he or she made an unfair settlement offer or that a mistake may have been made. Hallowed procedures, practices and policy contract interpretations are passed on from generation to generation of adjusters and managers.
If you want to deal with a hard nosed and or inexperienced adjuster, you need to arm yourself with the knowledge and the confidence you will get from a car insurance claim advice UClaim eBook .