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loss assessors for caravan insurance claims



 
 
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  #1 (permalink)  
Old June 30th 05, 10:05 AM posted to uk.rec.caravanning
JB
external usenet poster
 
Posts: 3
Default loss assessors for caravan insurance claims

Anyone dealt with a "loss assessor" for caravan insurance claims?

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  #2 (permalink)  
Old June 30th 05, 10:37 AM posted to uk.rec.caravanning
Andy R
external usenet poster
 
Posts: 821
Default loss assessors for caravan insurance claims


"JB" wrote in message
oups.com...
Anyone dealt with a "loss assessor" for caravan insurance claims?


No different to any other loss adjustor. Make sure your claim complies to
the letter of the policy, don't treat the guy like a friend, don't think
that when he gets up to go it's the time to stop worrying and guard your
words very carefully from then on. If you're unsure of anything say so and
tell him you'll come back to him with the info and don't say anything you
may regret later. These guys are paid by the insurance company to keep down
the cost of claims or stop the payout altogether, they are not there to do
you a favour. If they can find a part of the policy wording which you are
in contravention of they will and you wont get your money.

Rgds

Andy R


  #3 (permalink)  
Old June 30th 05, 10:37 AM posted to uk.rec.caravanning
Andy R
external usenet poster
 
Posts: 821
Default loss assessors for caravan insurance claims


"JB" wrote in message
oups.com...
Anyone dealt with a "loss assessor" for caravan insurance claims?


No different to any other loss adjustor. Make sure your claim complies to
the letter of the policy, don't treat the guy like a friend, don't think
that when he gets up to go it's the time to stop worrying and guard your
words very carefully from then on. If you're unsure of anything say so and
tell him you'll come back to him with the info and don't say anything you
may regret later. These guys are paid by the insurance company to keep down
the cost of claims or stop the payout altogether, they are not there to do
you a favour. If they can find a part of the policy wording which you are
in contravention of they will and you wont get your money.

Rgds

Andy R


  #4 (permalink)  
Old June 30th 05, 12:37 PM posted to uk.rec.caravanning
David
external usenet poster
 
Posts: 1,622
Default loss assessors for caravan insurance claims


"Andy R" wrote in message
...

"JB" wrote in message
oups.com...
Anyone dealt with a "loss assessor" for caravan insurance claims?


No different to any other loss adjustor. Make sure your claim complies to
the letter of the policy, don't treat the guy like a friend, don't think
that when he gets up to go it's the time to stop worrying and guard your
words very carefully from then on. If you're unsure of anything say so

and
tell him you'll come back to him with the info and don't say anything you
may regret later. These guys are paid by the insurance company to keep

down
the cost of claims or stop the payout altogether, they are not there to do
you a favour. If they can find a part of the policy wording which you are
in contravention of they will and you wont get your money.

So they are the bad guy then?
So would you advise the OP to hire a Loss Adjuster of his own to represent
his interests?
Do you think the gain in payout would out weigh his own loss adjusters
costs?

--
Regards,
David

Please reply to News Group.


  #5 (permalink)  
Old June 30th 05, 12:37 PM posted to uk.rec.caravanning
David
external usenet poster
 
Posts: 1,622
Default loss assessors for caravan insurance claims


"Andy R" wrote in message
...

"JB" wrote in message
oups.com...
Anyone dealt with a "loss assessor" for caravan insurance claims?


No different to any other loss adjustor. Make sure your claim complies to
the letter of the policy, don't treat the guy like a friend, don't think
that when he gets up to go it's the time to stop worrying and guard your
words very carefully from then on. If you're unsure of anything say so

and
tell him you'll come back to him with the info and don't say anything you
may regret later. These guys are paid by the insurance company to keep

down
the cost of claims or stop the payout altogether, they are not there to do
you a favour. If they can find a part of the policy wording which you are
in contravention of they will and you wont get your money.

So they are the bad guy then?
So would you advise the OP to hire a Loss Adjuster of his own to represent
his interests?
Do you think the gain in payout would out weigh his own loss adjusters
costs?

--
Regards,
David

Please reply to News Group.


  #6 (permalink)  
Old June 30th 05, 01:06 PM posted to uk.rec.caravanning
Mary Fisher
external usenet poster
 
Posts: 3,847
Default loss assessors for caravan insurance claims


"Andy R" wrote in message
...

"JB" wrote in message
oups.com...
Anyone dealt with a "loss assessor" for caravan insurance claims?


No different to any other loss adjustor. Make sure your claim complies to
the letter of the policy, don't treat the guy like a friend,


Why not?

don't think that when he gets up to go it's the time to stop worrying and
guard your words very carefully from then on.


If you're telling the truth it doesn't matter what you say.

If you're unsure of anything say so and tell him you'll come back to him
with the info and don't say anything you may regret later.


Such as?

If they can find a part of the policy wording which you are in
contravention of they will and you wont get your money.


If you are in contravention of the policy you shouldn't be paid. Honesty is
the best policy.

Mary


  #7 (permalink)  
Old June 30th 05, 01:06 PM posted to uk.rec.caravanning
Mary Fisher
external usenet poster
 
Posts: 3,847
Default loss assessors for caravan insurance claims


"Andy R" wrote in message
...

"JB" wrote in message
oups.com...
Anyone dealt with a "loss assessor" for caravan insurance claims?


No different to any other loss adjustor. Make sure your claim complies to
the letter of the policy, don't treat the guy like a friend,


Why not?

don't think that when he gets up to go it's the time to stop worrying and
guard your words very carefully from then on.


If you're telling the truth it doesn't matter what you say.

If you're unsure of anything say so and tell him you'll come back to him
with the info and don't say anything you may regret later.


Such as?

If they can find a part of the policy wording which you are in
contravention of they will and you wont get your money.


If you are in contravention of the policy you shouldn't be paid. Honesty is
the best policy.

Mary


  #8 (permalink)  
Old June 30th 05, 02:38 PM posted to uk.rec.caravanning
Andy R
external usenet poster
 
Posts: 821
Default loss assessors for caravan insurance claims


"David" wrote in message
...

"Andy R" wrote in message
...

"JB" wrote in message
oups.com...
Anyone dealt with a "loss assessor" for caravan insurance claims?


No different to any other loss adjustor. Make sure your claim complies
to
the letter of the policy, don't treat the guy like a friend, don't think
that when he gets up to go it's the time to stop worrying and guard your
words very carefully from then on. If you're unsure of anything say so

and
tell him you'll come back to him with the info and don't say anything you
may regret later. These guys are paid by the insurance company to keep

down
the cost of claims or stop the payout altogether, they are not there to
do
you a favour. If they can find a part of the policy wording which you
are
in contravention of they will and you wont get your money.

So they are the bad guy then?

Not bad guys, simply working for the interests of their employers the same
as we all do. In this case the insurance company interests will be keeping
their costs to a minimum.

So would you advise the OP to hire a Loss Adjuster of his own to represent
his interests?

Depends on the size of the claim, what he's offered by the insurance company
and the terms of the policy. It happens in large commercial claims but as
to whether it's worth paying out a couple of grand to dispute a claim for a
few grand's worth of caravan is a decision he has to make.

Do you think the gain in payout would out weigh his own loss adjusters
costs?

Impossible to say without the figures and knowing whether the insurance
company are disputing it.

Rgds

Andy R


  #9 (permalink)  
Old June 30th 05, 02:38 PM posted to uk.rec.caravanning
Andy R
external usenet poster
 
Posts: 821
Default loss assessors for caravan insurance claims


"David" wrote in message
...

"Andy R" wrote in message
...

"JB" wrote in message
oups.com...
Anyone dealt with a "loss assessor" for caravan insurance claims?


No different to any other loss adjustor. Make sure your claim complies
to
the letter of the policy, don't treat the guy like a friend, don't think
that when he gets up to go it's the time to stop worrying and guard your
words very carefully from then on. If you're unsure of anything say so

and
tell him you'll come back to him with the info and don't say anything you
may regret later. These guys are paid by the insurance company to keep

down
the cost of claims or stop the payout altogether, they are not there to
do
you a favour. If they can find a part of the policy wording which you
are
in contravention of they will and you wont get your money.

So they are the bad guy then?

Not bad guys, simply working for the interests of their employers the same
as we all do. In this case the insurance company interests will be keeping
their costs to a minimum.

So would you advise the OP to hire a Loss Adjuster of his own to represent
his interests?

Depends on the size of the claim, what he's offered by the insurance company
and the terms of the policy. It happens in large commercial claims but as
to whether it's worth paying out a couple of grand to dispute a claim for a
few grand's worth of caravan is a decision he has to make.

Do you think the gain in payout would out weigh his own loss adjusters
costs?

Impossible to say without the figures and knowing whether the insurance
company are disputing it.

Rgds

Andy R


  #10 (permalink)  
Old June 30th 05, 02:48 PM posted to uk.rec.caravanning
Andy R
external usenet poster
 
Posts: 821
Default loss assessors for caravan insurance claims


"Mary Fisher" wrote in message
. net...

"Andy R" wrote in message
...

"JB" wrote in message
oups.com...
Anyone dealt with a "loss assessor" for caravan insurance claims?


No different to any other loss adjustor. Make sure your claim complies
to the letter of the policy, don't treat the guy like a friend,


Why not?

Because he's not a friend, his interests lie in paying you as little money
as possible. If in your mind that's a friend then good luck to you, but
it's not mine.

don't think that when he gets up to go it's the time to stop worrying and
guard your words very carefully from then on.


If you're telling the truth it doesn't matter what you say.

There was a case I saw recently where a guy claimed for a stolen car stereo
system. The loss adjustor came round, did the interview then, having packed
up all his paperwork and on the way out, engaged in a friendly conversation
with the claimant. The adjustor said something like "this is a nice area, I
don't suppose many cars get broken into round here" to which the claimant
replied "I had a stereo stolen from another car parked outside a couple of
years ago but never claimed because it wasn't worth much". The claim was
refused because the claimant hadn't notified the insurance company of the
other theft when he took out the policy which the insurance company said
should have been disclosed.

Whether you think this is fair is a moral judgement you must make, but if it
was me making a claim I'd be very careful what I said to a loss adjustor.
He knows the exact wording of the policy and knows where to catch you out,
you are just an ordinary Joe with very little experience in this area. He's
a professional in his field, you're not. It's not a level playing field, be
careful.

If you're unsure of anything say so and tell him you'll come back to him
with the info and don't say anything you may regret later.


Such as?

See above

If they can find a part of the policy wording which you are in
contravention of they will and you wont get your money.


If you are in contravention of the policy you shouldn't be paid. Honesty
is the best policy.

If you're an expert in legal jargon then good luck to you, most of us
aren't. If there's a possibility you may have broken some barely
decipherable term in an insurance policy you're a fool if you offer
ammunition to the other side.

Rgds

Andy R


 



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