As the policyholder, you have a right to know about the insurance company’s best-kept secret . . . Public Insurance Adjusters. We are the experts who represent you exclusively when a loss occurs to your business, commercial or residential property. The insurance companies have their representatives; you need someone whose loyalty is entirely to you.

At United States Adjusters our public adjusters work for you! Not the insurance company.

PLEASE READ CAREFULLY

Why Let the Wolf Stand Guard Over the Chicken Coup? The insurance company adjuster is a PAID EMPLOYEE and is trained by the insurance company. This could very well be the last person in the world you want controlling YOUR CLAIM. Quite simply put, his first duty and responsibility is to his employer — the insurance company he represents.

60 Minutes Television Interview

Many insurance companies train their adjusters in methods and policies that keep the insurance company’s own interests in the foreground. In a recent interview, Ina Delong, a former insurance company adjuster, now turned consumer advocate, told the 60 Minute TV News Program: “The Insurance companies don’t want adjusters that are trained because if they really knew what they were doing, the insurance claim (your settlement) would be higher.” In 1991, John Garamendi, the then insurance commissioner of California, characterized the insurance industry as stuck in the old days of paying out as little as possible.

“For the most part, people like using a public adjuster because they like the idea that someone is working on their behalf vs. someone working on behalf of the company,” says P.J. Crowley, vice president of the Insurance Information Institute.

Several reasons why you need to contact United States Adjusters:

• Our Public Adjusters collect only if you collect and there are no out of pocket expenses or fees.

• Our Public Adjusters receive on average 300 to 400+% larger settlements then the insurance company initially offered. examples of settlements on the about us page

• Free loss consultation 24 hours a day

• Our Public Adjusters handle all aspects of your claim.

• Prompt personalized attention no matter how small or large the claims are.

• Our Public Adjusters keep in contact with your insurance company and forwards all information to you as your claim progresses.

• Settling Insurance claims is often very stressful and time consuming; let US Adjusters help you get on with your life

• Our Public Adjusters integrity and professionalism is second to none

10 REASONS TO CALL USA

1. All of our public adjusters are experienced, full-time professionals. We take great pride in maximizing settlements, and we try to never leave a stone unturned. We truly feel that it is an honor to be entrusted to represent our clients.

2. We have a remarkable history of obtaining top settlements for our clients. Almost without exception, we will obtain significantly more money than the insurance company’s offer. Numerous cases have resulted in increases of over 500%, and often greater than what the insurance company offered. We have even exceeded a ten-fold increase on more than a few occasions. We know how to recognize the flaws and how to document your claim for maximum recovery. Read what some of our clients have said. (OUR CLIENTS)

3. We keep our clients fully informed and provide them with copies of all correspondence. We give regular updates and always return our telephone calls promptly. We truly believe in outstanding customer service. Our clients have the final say in whether or not to accept our reject an insurance company’s offer. Yes, we give our opinions, but you have the final word.

4. We have a 99% client satisfaction rate. We have never been sued, nor have we ever had a complaint filed against us.

5. We are active members of the Mid Atlantic Association of Public Insurance Adjusters, the Association of Property and Casualty Claims Professionals, the American Association of Public Insurance Adjusters, and the Windstorm Conference. We spend significant time and money to keep abreast of all industry changes, including legal and statutory. Public Adjusting is our profession. It is not a part time hobby.

6. We have established ongoing and solid relationships with engineers, architects, accountants, attorneys, contractors, geologists, and a host of other support personnel, such as appraisers and inventory specialists. We know how best to document your claim.

7. You never owe us anything until money is actually received from the insurance company. We offer various ranges of services to best fit the unique needs and desires of our clients.

8. We truly make the odds even. We understand the ins and outs of the insurance industry. The insurance company will have an adjuster who works for them; shouldn’t you have one who works for you?

9. We pride ourselves on professionalism and ethics and provide the highest level of integrity that can be offered.

10. We will fight to get you the settlement you deserve and go the distance to do so.

Contact United States Adjusters Inc. Today for any questions you may have regarding the above info.

Http://www.unitedstatesadjusters.com

When determining fault in an accident as well as if and which individual’s automobile insurance will cover the accident, it often comes down to litigation of tort claims, and is considered the framework for a defense settlement.

The system of automobile accident insurance that a state adopts answers the following question: Who pays when an automobile accident occurs? Three systems of insurance for automobile accidents are possible: no fault, at fault, and a combination of no fault and at fault.

A driver’s insurance company compensates an insured individual, whether responsible for the accident or not, for personal economic damages in a no fault system automobile accident; damages can range from funeral or medical expenses or lost wages.

This coverage of personal economic damages is called Personal Injury Protection or PIP. It is imperative that every vehicle driver has automobile insurance with them under this system. The tradeoff for each driver’s insurance company paying for their own insured’s economic damages is each driver is prohibited from suing the other driver for non-economic damages, such as pain and suffering or loss of companionship.

Theoretically, insurance rates or premiums should be lower in no fault states since insurance companies are saving money by not having to initiate lawsuits or defend their insured’s in court. However, no state has adopted a pure no fault system for automobile accidents.

Instead, states have either adopted an at fault system or a combination of no fault and at fault for automobile accidents. When an automobile accident occurs in an at fault state, the driver responsible for the accident – the driver who is at fault – or their insurance company pays for damages.

Although, determining the individual at fault for the accident can be a difficult and complicated decision. And in many accidents both drivers are to blame to some extent. Since each driver pays based on their own proportion of fault, drivers may sue each other to determine these proportions. In an at fault system, each driver retains the right to sue the other driver for damages, economic and non-economic, resulting from an automobile accident.

If a state has adopted a combination system or a modified no fault system for automobile accidents, drivers are compensated by their insurance companies for economic damages up to the policy limits and also have a right to sue the other driver in certain situations. Usually a driver may sue another driver for damages sustained in an automobile accident if the damages exceed a certain dollar amount that each state has set by statute. Some states also allow lawsuits in automobile accidents if a driver’s injuries meet a specified standard of severity, for example, “serious personal injury”.

A state can also choose to change their liability system for automobile accident insurance at any time through the state’s legislature. It is best, when determining insurance system types in a state, to speak with the insurance provider or state insurance board.

In the wake of Hurricane Katrina and other destructive storms, getting affordable property insurance hasn’t been easy. Many private insurers shed high risk clients after storms in 2004-2005, and raised assessments for others. For those who could no longer afford private insurance (or who were declared uninsurable by private insurers), state insurer Citizens Property Insurance Corp is the last resort.

Over the last year, the state has been attempting to keep property insurance rates low for those who are insured with CPIC. According to critics of the latest property insurance changes, however, Florida residents who are insured by private companies will end up paying more so that the rates can stay low for those insured by the state-owned company. The last week of March saw the Florida Senate approve some changes to property insurance that might end up increasing property insurance rates by around 3%.

The bill was backed by Chief Financial Officer Alex Sink and approved by the Senate Banking and Insurance Committee. The intended effect is to reduce Florida’s Hurricane Catastrophe Fund by $3 billion. This means the state can reduce its investment in CPIC and therefore reduce its risk.

At the same time, however, the state has also voted to freeze CPIC insurance rates through to the end of 2009. CPIC insures more than 1.3 Florida residents, and the rate freeze that occurred last year was done to avoid an increase that could have seen rates up by as much as 29%.

The problem is, according to critics, that CPIC’s premiums aren’t high enough, and that the company won’t have enough cash reserves to be able to pay out claims if a major storm hits.

This is why the $3 billion reduction in the Hurricane Catastrophe Fund is significant. The Catastrophe Fund is a sort of safety net that can kick into action when Florida is hit by a major hurricane, and is intended to reimburse private insurers a portion of the money they pay out in claims. However, with the fund now reduced by $3 billion, the deficit is likely to be made up by rate increases for homeowners.

Last year, the state actually increased the Catastrophe Fund by $12 billion, but this year has been reduced by $3 billion. The fund was increased last year to reduce costs for insurers, and indirectly for homeowners. However, by increasing the Catastrophe Fund, the state of Florida was also increasing its own level of risk.

The state now wants to start decreasing its investment in the fund to reduce its risk. The net effect, however, will likely be the opposite of that which it originally intended. With private insurers taking on more risk relative to last year, the end result is more than likely going to be increased property insurance rates. The estimate is around 3% overall, with a slightly higher increase possible for Southern Florida residents.

Chief Financial Officer Alex Sink admits that an increase in rates is possible, but also says that if insurers try to increase rates to an unreasonable level, the state will step in.