Auto Insurance Claims/Expert Profile

Anne

U.S.
On Vacation
returns 11/15/2009
Expertise

Auto insurance claims regarding vehicle accidents, insurance coverages, auto policies, bodily injury claims, pain and suffering, injury settlements and negotiations.

Experience in the area

I am an adjuster for injury claims and property damage claims for over 5 years (still working there). I have worked for personal injury attorneys helping consumers get a fair treatment and I am passionate to help others with their vehicle accidents.

Education/Credentials

B.A. Economics/ Political Science

Awards and Honors

I was the top settling claims adjuster at the Insurance Company that I worked for.
I am the co writer of http://www.auto-insurance-claim-advice.com a website dedicated to help consumers document their auto claims and navigate the complex claim process.

Past/Present Clients

I work with injury lawyers working on high dollar settlements and jury awards for pain and suffering see: Spokane Law Office.

What do you like about this subject?

I like the negotiation and the dispute resolution aspect of claims. In many occasions, the answer is simpler than insurance companies make it out to be. Creative thinking can really create a win win situation for everyone. I like the challenge.

What do you still hope to achieve/learn in this field?

I like to help consumers with their claims. There are many claims out there are not worth pursuing for an attorney, however, consumers get the short end of the stick when dealing with insurance companies. I like to educate consumers to help them document their own claims.

Something interesting about this subject that others may not know:

Most insurance companies make their money in the stock market. Once their investments go bad, they raise premiums, then they blame injury lawyers.

Something controversial or provocative about this subject

Many claim adjusters are aggressive and argue to protect the pocket of the insurance company. In reality (legally), they have an affirmative duty to their insured and must do everything in their power to do what is in the best interest of the insured. If they don't do this, then they should get suit for bad faith.

Average Ratings

Recent Answers from Anne

2009-10-01 Auto Insurance coverage for new engine:

Hello Jay, I am sorry to hear about your problem. This is a warranty problem and not an insurance issue. Most (99.9%) of insurance policies exclude mechanical breakdown from coverage. They cover accidents

2009-09-30 Cargo transport:

Hello Anne, Well, you are owed 100% of your damages + the loss of use (reasonable rental car). The insurance company does have a "liability deductible" as they probably have a commercial policy, so

2009-09-29 Auto Estimate:

Yes, Joyce. The insurance company has paid for your damages. They are done. If you decide to fix the car for cheaper that is your call. You could even choose not to fix it and they could not say anything

2009-09-28 filing claim as passenger:

Hello Julie, I am sorry to hear about your accident. I hope you feel better. The ER bill will be paid by the insurance company of the vehicle you were a passenger in. Their PIP and/or Medical Payments

2009-09-26 3rd Party for my son I'm "at fault":

Hello Cyndee, I am sorry to hear about your accident. That sounds like a pretty bad experience. Regarding PTSD being considered a minor injury, it really depends on the medical diagnosis. If this

 

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