The Importance of Choosing the Right Words

Terminology in the world of insurance can make the difference between a claim that is paid and one that is denied.  When a claim is wrongfully denied - the battle to get paid is like an up hill climb on Mount Everest.  If you don’t have the right tools and know how, it will be en effort in futility.  Thats where an experienced public insurance adjuster can help anyone who is dealing with an insurance company.  Here are some REAL examples of the wrong terminology used by people involved in automobile accidents:

• “A pedestrian hit me and went under my car”
• “The other car collided with mine without giving warning of its intention”
• “I had been learning to drive with power steering.  I turned the wheel to what I thought was enough and found myself in a different direction going the opposite way”
• “Coming home, I drove into the wrong house and collided with a tree I don’t have”
• “No one was to blame for the accident, but it never would  have happened if the other driver had been alert”
• “The pedestrian had no idea which direction to go, so I ran over him”
• “I had been driving for 40 years when I fell asleep at the wheel and had an accident”
• “I was backing my car out of the driveway in the usual manner when it was struck by the other car in the same place where it had been struck several times before”
• “When I could not avoid the collision, I stepped on the gas and crashed into the other car”
• “The telephone pole was approaching fast.  I was attempting to swerve out of its path when it struck my front end”
• ” I pulled away from the side of the road, glanced at my mother in law and headed over the embankment”
• “An invisible car came out of nowhere, struck my car, and vanished”

These curious and sometimes downright hilarious explanations of how an insured loss took place can give rise to lengthy investigations and claim delays - not to mention uncontrollable laughter.