"Or maybe it's just luck of the draw with adjusters—some might be more detail-oriented or skeptical by nature."
This rings true for me. A couple years ago, I had a minor accident—just a dented bumper, but I ended up with some persistent neck stiffness. My adjuster was incredibly thorough, asking detailed questions about my daily routine and even requesting follow-up medical notes. It felt excessive at the time, but looking back, maybe it was just their internal policy or training standards...or possibly state regulations playing a role?
"My adjuster was incredibly thorough, asking detailed questions about my daily routine and even requesting follow-up medical notes."
Haha, reading this makes me realize how clueless I am about insurance stuff. I just bought my first policy a few months ago, and honestly, the whole thing felt like taking a pop quiz in a foreign language. My adjuster could probably tell I was new because she patiently explained everything twice (or maybe three times...). She didn't grill me too hard, but she did ask some oddly specific questions—like if I had any hobbies that involved "extreme physical activity." I mean, does binge-watching Netflix count as extreme? Because if so, I'm definitely at risk.
But seriously, I think you're onto something with the luck-of-the-draw theory. Maybe some adjusters are just naturally skeptical or extra cautious because they've seen it all. Or maybe they're secretly training to be detectives on the side...who knows. Either way, I'm just hoping I never have to actually test out how thorough mine is.
Haha, I totally feel you on the Netflix thing...if that's extreme, my premiums are definitely going up. But yeah, adjusters can be hit or miss. Mine was pretty chill but still asked about stuff like gym memberships and weekend sports leagues. Apparently, they're just trying to gauge your risk of injury outside of driving, which kinda makes sense. Honestly, better they ask now than surprise you later when you're filing a claim...
"Apparently, they're just trying to gauge your risk of injury outside of driving, which kinda makes sense."
Yeah, I get the logic behind it, but it still feels a bit intrusive sometimes. Reminds me of when I had my last claim after a road trip mishap—nothing major, just twisted my ankle stepping out of the car at a rest stop (don't ask, long story involving snacks and a rogue squirrel...). Anyway, adjuster asked if I regularly went hiking or climbing. I mean, fair enough, but does casually tripping over your own feet count as an extreme sport now?
"does casually tripping over your own feet count as an extreme sport now?"
Haha, feels like it sometimes. Honestly though, I think they're just trying to cover their bases—insurance companies love their risk assessments. When I signed up for PIP coverage, they asked if I rode motorcycles or did martial arts...like, does my occasional yoga class really put me in the danger zone? Seems a bit much, but I guess they're just being thorough.
