We all know that auto insurance companies are in the business of making money. They need to make a profit just like any other business that employs thousands of Americans. So, its to be expected that an insurance company will try to cut costs and keep their claims to a minimum. This doesn't mean they will cut corners or cheat you out of services. They will just try to accurately determine damages so there is no waste.

The auto insurance companies want their customers to be happy and secure so they won't fight legitimate claims, whether you are using a local or online auto insurance company. They will simply search for waste or frivolous claims. So, when you are searching for auto insurance quotes, be sure to investigate their customer service reputation.

The Claims Adjuster will investigate the facts surrounding the accident and recommend to either deny or honor a claim. The Claims Adjuster will inspect damage, review reports, collect data, take video and photographs, and then review your policy. Once all the facts are collected, he/she will determine what you will paid for under your coverage, if at all.
Prepare yourself for this meeting. Have available all of your quotes for medical damages and repairs. If the damage to you or your vehicle was extensive, you may want to talk to a lawyer prior to speaking with your Claims Adjuster. Remember, they may want to minimize the payments, so its important to thoroughly document all damages. When you meet with the Claims Adjuster, here are some questions he/she might ask:

• Explain the accident.
• Where did it happen? And when? 
• Were you driving, and if not, who was? 
• Did you have any passengers? If so, who are they and what is their contact info?
• Did you call the police? If so, where is the report? 
• Were there more than two cars involved? 
• Who is the other driver and what is their contact information? 
• Was anyone hurt? 
• Was there any vehicle damage? 
• Were there any witnesses? If so, who? 
• Did the other driver have insurance? If so, with who, and what is their contact info?

You may also be interviewed by the Claims Adjuster from the other driver's insurance company. In this case you can be assured that the Adjuster wants to keep his company's payment to an absolute minimum. So, do not volunteer any information, and be sure to document all of your damages and communication. Here are some questions that he/she may ask:

• Were you injured? If so, where? How bad?
• Have you seen a doctor? If so, who? What did he/she say?
• Did you ever injure this body part before? If so, when and who treated you?

A Claims Adjuster from your local or online auto insurance company will work to make sure your damages are covered, as long as they are covered in your policy. Again, research the customer service history of a company when you search for auto insurance quotes.