What is the role of a claims adjuster?

The role of a claims adjuster is primarily focused on investigating claims and assessing liability. This involves evaluating the details surrounding an insurance claim, which includes reviewing the circumstances of the incident, gathering evidence, interviewing witnesses, and analyzing police reports. The adjuster is responsible for determining whether the claim is valid and to what extent the insurance company is liable for paying the claim. This assessment is critical in ensuring that claims are handled fairly and in accordance with the policy terms.

In the context of insurance operations, this role is essential for safeguarding the interests of both the insurer and the insured by ensuring that legitimate claims are paid while also protecting against fraudulent claims. The process often requires a blend of investigative skills, analytical thinking, and knowledge of insurance policy language.