I was rear ended by a FedEx Grounds truck back in July and he was ticked for wreck less driving since then I have underwent invasive surgery on my neck and back. We have submitted a demand letter over 20 days ago, my original claims adjuster took ill and is now on leave so the new the claims adjuster called my attorney yesterday and said the review board at FedEx has my claim. Thank you :)
The adjuster is the individual you deal with at the insurance company, they will generally create a damage analysis and what they believe to be a fair value for the case. Ultimately, before a settlement is paid, a review board or other higher level individuals at the insurance company will have to approve the settlement.
Mr. Kogan is correct. The adjuster is generally the first line you deal with at the insurance company, and they may have some limited authority to settle a case, but when the value of the case exceeds that authority, they will typically have a round table to discuss the claim with supervisors. A lot of the outcome depends on the insurance company. Good luck to you, it sounds to me like your attorney is doing everything appropriately.
Please be advised, this information is being provided on an informational basis only. No attorney/client relationship has been created as a result of any information provided by Jonathan J. A. Paul and/or Lewis Roberts, P.A. Legal matters are of significant importance and the selection of an attorney is an important decision. In addition to the information provided in this response, it is always strongly suggested that you seek the advice of an attorney.
There could be a wide variety of issues here, including self insurance provisions in a commercial claims context. That stated, these questions should be directed at your lawyer handling the case nd not to strangers on the internet for a wide variety of reasons.
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Generally time dated demands are for 30 days. FedEx is self insured I believe so their people have to approve all settlements. Let your attorney deal with FedEx. The first response will probably be for more information, then perhaps a low ball offer. Then the negotiation begins and this is where a good attorney earns their money. Your case may have to go to mediation, this can be pre-suit or court ordered after suit is filed. What you want is pre-suit so that your contingency fee does not increase. Be sure to always do the math. Sometimes you can get more at trial but will you get enough to offset the fee increase and extra costs/expenses. Your attorney can explain all of this to you. Good luck.
In addition to everything already stated, while an adjuster may be able to directly settle certain cases, most adjusters have to submit for approval for amounts over a certain dollar amount. This is different with every insurance company.
Typically, you should speak with your attorney about these matters. It sounds like you are well represented. It is normal for claims to go through several adjusters and to be submitted to boards of review...especially when the amount requested is over the authority that the adjuster has. Insurance companies also love to delay your claim so they can hold on to their money longer and I suspect that they use these bureaucratic methods intentionally. However, there is not much we can do as attorneys to speed up their bureaucratic bungling other than wait for them to decide how much they will offer you. The ball is their court.
Every insurance company is different, normally an adjuster will discuss a claim with more people if that claim is worth more than a certain amount.
I am sure FedEx has a lot of coverage, therefore they may delay on the case because no matter the verdict, it won't exceed the coverage. Give them time and make sure all medical evidence has been provided including all copies of diagnostic images. If they low-ball you or unnecessarily delay the matter, advise your attorney to file a lawsuit. That will get the insurance company's attention and show them that you are serious about getting what is fair in your case.
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