How does an adjuster typically assess vehicle damages?

An adjuster typically assesses vehicle damages through a comprehensive approach that includes conducting a physical inspection of the vehicle and reviewing estimates. This method allows the adjuster to observe the extent of the damage first-hand, which is critical for an accurate assessment. The physical inspection provides a detailed examination of the vehicle's condition, allowing the adjuster to identify all areas of damage, which may not be evident from photographs or claims alone.

In addition to the inspection, reviewing estimates from repair shops offers further insights into the expected costs for repairs, enhancing the accuracy of the damage assessment. This dual approach ensures that the adjuster has a clear understanding of both the visual and financial aspects of the damage, leading to a more accurate and fair settlement process. Relying solely on the claimant’s statement or photographs would be insufficient as these methods may miss vital information that impacts the overall understanding of the damages. Additionally, using prior cases alone does not account for the unique circumstances of the current claim, making a tailored assessment essential.