To be blunt, yes, however it should not be considered investigation, instead a person should think of it as an examination. No one would fly a plane without checking it out and making sure it is alright, the insurance adjuster is doing the same thing.
First, it's not the adjuster that submits a claim. You would submit the claim to the insurance company or to your agent and then it is sent to the insurance company claims department. The adjuster is the person in the claims department that handles the claim. He or she will get statements from both drivers, and look at the accident report from the police department and make a determination as to fault. The adjuster then handles repairs and payment for losses. The quicker everything is gotten turned in to the adjuster the faster they can finish and keep everyone happy.
This will be up to the adjuster. Sometimes they will allow you to do this if you are qualified to do so and you agree to the estimate that the adjuster comes up with.
An insurance claim is the official act of asking an insurance company to make a payment according to the terms of an insurance policy. This is an important act because without it, there would be no way to receive compensation for covered damages. Most insurers issue instructions for filing a claim with their policy documentation. It usually involves a call to their claims department and the dispatch of an insurance adjuster to evaluate the claim. After the adjuster makes a recommendation, the insurance company either denies the claim or approves it for the amount the adjuster determined appropriate. Most companies have an appeal process that helps the insured have more input if the payment is insufficient.
the value of your claim is always based upon your contract (policy) with the insurance company. but if the adjuster was an actual employee of the carrier (vs. a hired adjuster), and didn't qualify the information (i.e. i have to check with the home office) then you have a good argument to make that you are owed what was told to you. Insurance companies play hardball and do not always honor what the adjusters says. Sometimes the adjuster will misrepresent what he or she said when ask my their company.
A public adjuster works for the policyholder, not the insurance company. Since a public adjuster only gets paid if you get paid, I would consult as early as possible in the claim process. You than can make an educated decision as to whether their services would be beneficial to you.
Anytime you make a claim with your own insurance company against someone else's company or their company directly, the company taking the claim by law has to fully verify and investigate the claim being made. Not only that, no insurance company in their right mind would pay out insurance claims without checking them out first.
It all depends on the state the claim is filed. If a state does not have a set amount of time of the company to investigate and make a decision on a claim, they are required to do it in a "reasonable" amount of time, depending on what time of auto claim it is.
If your insurance adjusters estimate is lower than that of your own, you can submit them to your insurance company through the adjuster or directly for payment. Many times insurance companies make quick lowball offers in the hopes you will take them. You may want to consider hiring a Public Adjuster in order to get the most you can from the insurance company. Studies show that settlements were 42% higher when a public adjuster is involved.
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As long as you have not received payment and cashed the check you can always tell your agent or the adjuster that you wish to withdraw the claim. It should not be an issue with the company unless they finished the claim and closed the claim but even then they may be agreeable to allow you to withdraw if you wish. These days you only want to make claims for larger claims. Insurance is not for small claims and it can actually do you more harm than good to make small claims. Insurance companies track amount of claims as well as frequency of claims and either can hurt your record.
Most insurance companies consider the blown tire as a comprehensive claim. Make sure of this by asking the adjuster at the beginning of the claim. If you lost control and hit something then it probably would be a collision. A blown tire that just has damage to the fender well you could probably get them to treat as a comprehensive.
After a car accident, one must immediately contact their insurance company to file an auto accident insurance claim, even when the other driver was at fault. Make sure to have all the other driver's insurance information so that the other company can thoroughly investigate.