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Saturday, May 2, 2009

Processing of Seattle Auto Insurance Claims

By Steve Turner

Seattle Auto Insurance coverage is there to allow you to have financial security if you find yourself in a collision or other auto accident. Most drivers will have to file a claim sometime in their life. However, in addition to offering you protection you need to also understand that your insurance provider is also trying to minimize their expenses.

If you do have to file a claim, you may find the insurance provider using the tactic of delay. Some unreliable companies will try and stall as long as they can in hopes that you will compromise and this will result in a lower claim settlement.

The insurance adjuster may try and negotiate a lower payment on your claim. Since insurance policies and providers can be so daunting it may tempt you to hire an attorney. In the long run this will just increase your costs and slow down the processing of your claim.

If your collision was low speed or low impact then your claim is going to relatively low compared to other collision claims. The cost of hiring a personal injury attorney could be almost as high as the settlement you could be offered.

Adjusters will offer "take it or leave it" offers in the hopes to get a quick settlement and to discourage you from obtaining representation. This offer is usually the difference between what your claim is valued at and the high cost of hiring a personal injury attorney.

For the insurance adjuster the whole process is just about money. He will not be concerned about the truth or if you are treated fairly.

Purchasing a policy from an honest and reliable insurance provider is the best way to ensure that you are going to have the claim coverage you need in the event of an accident. An insurance broker is a great way to find such a provider because they work with numerous companies and know their history.

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