We have a significant number of people who contact us several months after a Tennessee automobile wreck, after most of the physical evidence is gone and poor decisions have been made about pursing appropriate health care. When we ask why the person waited so long to contact us, the response is usually something like "the insurance adjuster was just so nice in the beginning."
Well, sure.
The job of the insurance adjuster is to resolve an insurance claim as quickly and inexpensively as possible. It just makes good sense – and good business – for the adjuster to be polite and indeed downright friendly. Why? Because you as the claimant are more likely to cooperate with the adjuster and give the adjuster the information he or she needs if the adjuster is friendly. The insurance company doesn’t want you to cut off communication and seek a lawyer, and the best way keep you from doing so is to be nice.