Some people call me an auto claim expert.

I like Hector.

The auto claim expert? That is a lot for the title I think.

Let me introduce myself, my name is H�ctor Quiroga. I was a claim adjuster for more than three years before I went on to work for injury lawyers. After that, I decided to go to law school (currently a student).

During the time I was involved adjusting claims I specialized in many different types of insurance claims. I started as a total loss adjuster; from there I was promoted to Commercial losses.

Shortly after, the company that I worked for (I cannot disclose as they would sue me) promoted me to personal insurance claims (auto and home). I adjusted claims involving bodily injury and property damage claims.

I was handling more than 100 claims in an average month. My settlement rate was about 60% a month. I settled claims for up to $90,000. I had to deal with attorneys, arbitrators, insurance commissioners, other insurance carrier and their adjusters.

This taught me the inner workings of insurance. Working for both sides showed me the strategy both, insurance adjusters and attorneys use when dealing with average people to settle their claims.

To many this made me the �auto insurance expert� but most adjuster have a bigger and more impressive resumes than I do. The difference with them is that I however have the desire to tell you how insurance work and reveal to you the best way to protect your interest. So no auto claim expert here, just an honest guy going trying to help out.

I am not the only one behind this website. There is a team. An perhaps my wife (Casey Quiroga) should be the one called the auto claim expert. She is a lawyer and has help in litigation on many bodily injury claims.

Her knowledge, guidance, and research have been invaluable for this website. We know it is hard to deal with insurance companies; maybe some general information can guide you in the process.

Insurance companies are very good about training insurance adjusters to be great negotiators.

They �invest� two hours a week in seminars and other negotiation techniques. Why do I think this is a great investment, because even in college I have not seen even one course dedicated to negotiation. My point is that you are dealing with very savvy individuals, and sometimes even having an attorney will not help that much.

Adjusting claims can be a very stressful job; after all you are short changing everyone where you can. Do not let your adjuster do this to you.

Insurance companies get away with this because there is a lot of misinformation about insurance claims. I hope these pages can help you understand a little more your insurance claim, your auto accident, and your policy.

Always remember, consider getting legal advice if the claim adjuster is not being honest with you.

Good Luck

Hector Quiroga