A DAY IN THE LIFE OF A CLAIMS FIELD ADJUSTER
When you are in an accident, you of course report it immediately to your automobile insurance company and a claim is opened up with a claims adjuster. You assume that their tasks are to schedule inspections, pay bills, settle bodily injury claims, and walk you through the stressful and emotional accident process.
What you do not know is that there are claims adjusters that do not only that work but also different tasks that take them outside of the office and sometimes into interesting situations; these are called Field Adjusters.
Here is a synopsis of a standard day in the life of a field adjuster:
Wake up, get ready for work. My first appointment is to get a recorded statement in person at a nearby hospital with a motorcyclist that my insured rear-ended and photograph his visible injuries, which include: a lacerated spleen, fractured lungs, an open fracture to his right tibia/fibula, and cuts/scars to his forehead.
After that, it is time to head into the office. Once I reach my desk a representative of our clerical department hands me 4 messages that are urgent. I sit down and check my voicemail. Only 12 voicemails (none of them are the 4 that were handed to me). Then I check my email, only 25 emails today. It’s going to be a good day.
After returning all missed phone calls and emails from overnight, I then get to work on the files that are slated to be processed that day. They can range anywhere from 12-18 files. When I say processed, I mean that I need to go through and do everything required to get to the resolution of the claim: statements, estimates/photos, order police reports/photos/autopsies/coroner reports, track down witnesses, complete a scene investigation to include light timing and sequence and a witness canvass. Then I send out letters to all involved parties letting them know what is still pending to resolve their claim, and on to the next file.