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Insurance is not like any other product you may be purchasing in life. For example, if you were to buy a car, you would be allowed to drive it home. If you were to buy a house, you would be able to live in it. But this is different when you buy insurance. In this case you only get a piece of paper that represents a promise that if you are to make a claim it will be paid. But, is there a way to make sure you get paid? Here are some tips to follow.

1. Always keep a record of your claim number. Make sure that it is written down and available to you. If you do this, the claims adjuster will be able to handle your claim faster. It is a general rule that the quicker the adjuster is able to handle your claim, the easier he or she is to work with.

2. Do not try to get every dime out of the adjuster. If the offer that you have been given is close to the amount of loss, and seems reasonable, do not keep pushing for that last $5. You will never get what you want from them and in the end you may cause negotiations to be harder on other aspects of your claim.

3. Do not threaten the adjuster by telling him or her that you are planning to hire an attorney. They hear this all of the time and it doesn’t scare them. The usual reaction is that they get more difficult to work with. Unless you have actually hired an attorney, don’t mention it.

4. Treat the adjuster like a regular person. Adjusters are also human. When you treat an adjuster with respect you can expect to be treated the same way. This will make the claim process much easier.

5. Make sure that you have available all of the required documentation. For example, if you say that you had a special seat in your car that cost $500, then the adjuster is going to want to see some kind of proof. While you may not have the original receipt, you may have to provide some documentation that the car seat costs what you say it did.

6. Do be disappointed if the adjuster does not treat you as his friend. The adjuster has a job to do and can't spend time developing relations. His job is to pay your claim and then move on to the next claim. If they are able to save the insurance company some money, then from their perspective, that is all the better. So don't expect them to give you advice, explain things to you, or offer you exactly what your case is worth!