If an adjuster had failed to respond to a claimant’s demand, or had come forward with an unreasonable response, then the same adjuster would have demonstrated utilization of unfair tactics.
Suggested action for affected claimant
• Talk to adjuster, regarding the lack of a response, or presentation of an unreasonable response
• If awaiting response, set deadline for performance of that action
• If hoping for more reasonable bid/offer, set a deadline for completion of changes to existing bid/offer.
• See what action has been taken by the deadline
What to do, if no action taken by deadline
• Contact the claims’ manager; mention your consideration of this act: Filing a complaint with the state’s insurance department.
• Offer evidence of adjuster’s tactics
Situations that should signal a need for the actions described above
• Lack of response to an offer made during the negotiating process
• Presentation of false evidence on the part of the insurance company
• An unexplained delay, during time when you are waiting for a new offer
If you do decide to file a complaint, what should you include in that complaint?
• The date of the incident that triggered the dispute
• The names of those involved
• The claim number; the # assigned to claim by the insurer
• Your reason for filing the complaint
• The # of times that you communicated with any adjusters, before filing complaint
• Copies of any emails that were exchanged
Why should affected claimants expect results, after using the approach that was described above?
The insurer would know that the filed complaint would get placed in the state’s records. No insurance company welcomes any action that causes the state to have some complaint about that same company in the state’s records.
The claims’ manager would not be happy with the adjuster. He/she could request implementation of changes to the adjuster’s actions. Adjusters normally go along with a suggestion from the claims’ manager, as per personal injury lawyer in Halifax.
If the insurance company chose to ignore the state’s request, it would need to provide the insurance department with the sort of evidence that could support the company’s demonstration of non-compliance.
The state could use its approach as a means for warning other insurers about the wisdom behind an effort to comply with a request from the appropriate office in the state government.
The insurance company would realize that an unhappy customer might elect to place a negative-sounding testimonial on the company’s website. It would be extremely difficult for the insurer to counter the effects that would result from such negative-sounding testimonies.
As a result, the insurance company could receive fewer calls from potential customers. Obviously, any decline in the number of calls would translate into a decline in the number of sales, and in the number of customers.