More questions to ask the claims adjuster when he calls you.

Before you decide to give the claims adjuster a recorded statement or sign a medical authorization or a wage loss verification ask him or her a few simple questions. The answers you get may suprise you.

Will you give me copies of the recorded statements that you have already taken from the witnesses?  The answer will usually be something like we can’t do that because it is not the policy of the insurance company to give out that information. Some times they will say my manager or boss does not allow me to give out that information.  Another classic answer is: I will ask my manager after I take your recorded statement.

Next ask the adjuster what is the reserve on the file or how much money have you set aside for my claim.  I have never heard of an insurance company answer that question. 

If you are considering signing a medical authorization ask the adjuster if he or she will mail you copies of all the medical records they obtain with your signed release at no charge.  Also ask them what medical providers will they request your medical records from. The answers you get from the adjuster should guide your decision on how to proceed.