Everyone knows the stereotypical tactics a used car salesperson employs to "seal the deal" and knows it is wise to count their fingers after shaking hands with a used car salesperson but these same used car salesperson savvy people commonly fall victim to the tactics of the Insurance Company Adjuster. Maybe it is because the Insurance Adjuster visits these people when these people are in duress or maybe the Insurance Company's PR Campaign to promote a "Good Guy" image is working, but, whatever the reason, consumers seem unable to evaluate the Insurance Adjustor with the same level of scrutiny they would when dealing with a used car salesperson and routinely fall victim to the same questionable tactics of a used car salesperson.

Enough is enough. As a public service we will expose these tactics and fully illuminate how the Insurance Adjuster is like a Used Car Salesperson.

1. Corporate Sleaze

The feigned smile, the clearance rack suits, and the trapped-in-flypaper like feeling you get when these people come out of the wood work and act like your best friend in order to close the deal but disappear forever, or at least until the next sale, when the deal is sealed. They deploy the best psychology their marketing department could afford in order to uncover whatever little piece of information they can use to bully the customer into their predetermined outcome.

Likewise, the polished "All American" and "Good Guy" image is a commodity the Insurance Companies spend millions of dollars on to create and promote. This corporate crafted image exists and is relentlessly promoted so that the consumer will set aside their fears, concerns, and doubts when the "good knight" Insurance Adjuster arrives to right the wrong. Every aspect of this image is carefully crafted in order to circumvent the consumer's intelligent objections and concerns. The mighty Adjuster will take care of everything but needs to know what they are dealing with and will subtly psychologically manipulate the consumer for any information they can use to deny or reduce the claim.

2. Devaluation

When taking an auto in on trade, the used car salesperson is required to do a walk around evaluation in front of the owner(s). The purpose of this "evaluation" is to point out every ding and scratch to the owner(s) in order to cast doubt in the owner's mind concerning the real value of the trade. The industry knows that most people are fair in general and use this tactic to psychologically entice the owner to devalue their trade so that when offered less then stated or expected, the owner(s) will not argue.

Equally, the Adjuster is looking around for, and will point out, any delayed maintenance, any possible exclusionary cause or catalyst, or for any item or information they can use to bully the homeowner into accepting more liability for their loss.

3. Sociopathic Personality

In the eyes of a used car salesperson, the consumer is nothing more than a temporary barrier to their commission. They will tell any lie, misrepresent any fact, and take whatever time necessary to dissolve that barrier but all of the verbal promises, stories, and representations are lost at signing to the point the used car salesperson will deny making such claim or will do their best to spin such claim towards whatever way required to dissolve any responsibility or conflict. There is no remorse, no humanity, and no responsibility as whatever action, statement, or enticement is merely a means to my commission.

Similarly, in the eyes of the Insurance Adjuster, the in duress consumer is simply another commissionable opportunity. The Adjuster is a master appraiser and knows the true value of the damage the consumer has suffered and this is the starting point from which the Adjuster begins to shave off costs and liability from. A good portion of the Adjuster's annual pay is derived from the amount of money they cheat the consumer out of so the Adjuster has no remorse and feels no responsibility for whatever the Adjuster says or does in order to prevent the consumer from getting that money.

4. By the Numbers Predictable Defense

In the event that the used car salesperson is going to be held accountable for some action, they predictably try every measure possible to offset any responsibility or liability for whatever they are being held accountable for. Such elementary defensive tactics are well known and are easy to overcome due to their widespread and predictable use.

In the same way, the Insurance Adjuster's delay and denial tactics are so well known that books have been written on them. Such books are easy to find when searching the Internet for "Bad Faith Insurance Books" and the Adjuster's follow the enumerated steps, seemingly and laughably, religiously.

You wouldn't fall victim to these tactics when deployed by a used car salesperson so why fall victim to them when used by an Insurance Adjuster?

Don't be a victim.

It's your money.

It's your choice.

Choose Wisely

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