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This handbook is an excellent tool for use by any policyholder or claimant...in order to increase the chances of being paid in full for an auto, home, bodily injury, or other type of property or casualty insurance claim.
Always Remember This:
Adjusters (and Agents) Work For The Insurance Company. Not For You.
Even though an adjuster gets to you quickly...makes friends quickly...and has you convinced you are about to get everything you deserve...and really soon...BE CAUTIOUS.
Here is what some adjusters are taught by some upper claims managers: "The longer a claim stays open, the more expensive the claim gets for the insurance company."
What this really means is: The longer a claim stays open, the smarter policyholders and claimants get about what (all) should be included in their claim.
Quick contact? Great! Quick settlement? It may not be in your best interest.
*** If you have been the subject of a quick settlement (or victim in many cases), you may still be able to re-open your claim for a supplemental payment. Many folks don't know this.
The Title of the Handbook is:
Insurance Claim-Tips
For Dealing With Insurance Adjusters
Easy-to-Read and Easy-to-Understand.
Valuable tips are found in the following chapters:
Chapter (1) Overlooked Coverage & Overlooked Damage:
(Thousands of dollars are often left on the table by policyholders and claimants) Bringing not-so-obvious Coverage and Damage to your attention...that which some adjusters and some agents may not bring to your attention. Coverage you were sold by your agent to cover a loss, but you may not receive any money for unless you ask, even after you've filed your claim. Alerting you to Damage you may never dream may be part of your claim. Be ready for your next vehicle, home, property or bodily injury claim. Get what you are due. Don't leave your money in the insurance company's bank.
Chapter (2) Bodily Injury Evaluations:
(Checklist included) Revealing many factors used by many insurance adjusters when evaluating a bodily injury claim, including factors you may never dream would increase the value of your injury claim. Factors which may not be revealed to you by some adjusters, and may not be considered in his evaluation of your injury claim, unless (you) bring them to his attention. Many insurance companies are now using computer software programs to evaluate bodily injury claims, and if all of the factors of your injury are not considered, you could get “short-changed". Learn what you can do to get their computer values (up). Also, learn what might really happen to the money an adjuster may hold back from your bodily injury settlement. Money he tells you he will send to Medicare or Medicaid when he receives their final bill. Wow! Get what you are due for your injury claim. Don't leave your money in the insurance company's bank.
Chapter (3) Negotiating Effectively:
(Be sure to read this.) Revealing several tricky tactics used by some insurance adjusters against policyholders, claimants...and even against some lawyers. How to maintain self-control and avoid enticement and entrapment. Also, something to ask if your claim is denied...which just might get the denial reversed and get your claim paid. Tips that will allow (you) to be in charge. Get what you are due. Don't leave your money in the insurance company's bank.
Chapter (4) Complaining Effectively:
(Action quickly) How to complain. Who to complain to. Tapping into egos....seldom used but often successful. Don't give up. Learn how to complain. It's easy. Get what you are due. Don't leave your money in the insurance company's bank.
Chapter (5) Miscellaneous Tips & Information:
Did Your Insurance Rates Go Up After Your Auto Accident? (Don't miss this.) Do you feel your accident was (not) your fault, and your rates went up anyway? Learn what to ask your insurance company, and learn what you can easily do to possibly get your rate increase reversed. Your inquiry and persistence could easily save you a lot of money. This is a well-hidden secret.
Quick, Rapid Claim Service? Whoa, Nellie! (Good for you? Or mostly good for the insurance company?) You may have seen or heard some of the insurance companies’ cute and expensive advertisements, telling you how quickly they can get a check in your hand. Find out why this may not always be in your best interest, no matter what kind of claim you may have. Quick settlement offer? Be careful. You may need to walk away. Don't leave your money in the insurance company's bank.
Want To Know Why Your Insurance Rates May Be So High? (Sugary deals for some agents, from some insurance companies. Sad, but true.) Seems some agents have absolutely no loyalty to their customers. Alerting you to sugary deals between some insurance agents and some insurance companies. Are they ethical? Are they legal? Some agents and some companies try to “keep them under the radar". Are you paying for these sugary deals in your insurance rates? Don't miss this! Another well-hidden secret that may very well be costing you money.
Plus much more information that may really surprise you.
Information that will likely steam you.
This handbook is designed to help unsuspecting policyholders and claimants reach a claim settlement that is fair and reasonable for them......not just the insurance company.
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