What does an adjuster do after an accident?

I recently got into an accident, and my friend told me I'll need to talk to an insurance adjuster. What should I expect?

“After you get into an accident, it’s an insurance adjuster’s job to determine how much of the loss your insurance company will pay.
The adjuster will probably ask for your account of the crash—including when, where, and how the accident occurred—and which vehicles were damaged. You won’t have to provide exact numbers or assign fault, but you will need to give the adjuster accurate information.
Once the adjuster collects the information, they will talk to you about your deductible and set up an appointment for your car at a body shop. At that point, any necessary repairs will begin. The insurance company will usually handle the payment with the body shop directly, so you’ll just need to pay the body shop the deductible in order to get your car back.
After a car accident, your insurance rate will most likely increase. You may want to switch providers to reduce your premium.
If you’d rather leave the hard work of gathering quotes to someone else, use Jerry. The Jerry app will gather quotes from top insurance providers for you to help ensure that you get the best coverage for your car at the best possible price.”
Rachel Juillerat
Answered on Sep 13, 2021
Rachel Juillerat has her Master's in Publishing & Writing from Emerson College. You can view her work in the Independent, Cupid's Pulse, and the Penmen Review. She has worked in personal finance for five years before transitioning to insurance. She lives in Boston, where she spends her time exploring small New England towns, learning new skills, and napping through her cat's zoomies.

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