Auto Insurance Claims/Adjuster Limits

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Expert: - 8/26/2009


Question
I have filed my own 'demand letter' in a personal injury claim.  The adjuster has informed me that he has to obtain approval from his manager regarding the dollar amount of the settlement as he is asking for more money for my claim.  In general, what is the adjuster's dollar amount limit (his authority) before he would have to have additional approval for settlement funds on the claim?

Answer
Hi Cathy,

There is no way to know. Each company has its own guidelines regarding adjuster authority limits. It often is based on the experience level of the adjuster and how long they have been with that company. It may also be based on the type of injury, the amount demanded or if you are represented by an attorney or not.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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