+1
Dealing with insurance adjusters can be very intimidating, so any help is always appreciated!
I would note that insurance laws vary significantly from state to state, so it's often a good idea to check the web for your state's insurance commissioner, state's attorney or department of consumer affairs. They often have good FAQ's. Many times there are additional coverages that you may be eligible for that insurance adjusters will conveniently forget to mention, or, sometimes they are unaware of themselves, such as rental coverage, diminution of value, etc.
I once had an insurance adjuster tell me that uninsured motorist (UM) coverage only applied when the other driver had no insurance at all. In Florida, it also covers your damages that are in excess of the other driver's coverage (e.g., you have medical bills, etc for $35K, the at-fault driver has $10 coverage and you have $50k uninsured motorist. You get their $10K and your UM pays $25K. She insisted that she was right, and that she had just taken a course on this, etc, etc.
I let her go on and on for awhile, then told her to go check the insurance commissioner's website and call me back. Strangely enough, I never heard back from her.
Bottom Line: Know your rights, don't let them intimidate you, and don't assume that they are experts. Some are and some aren't.
And stay away from "the good hands people!" Trust me.
