Claim Adjuster

What is a Claim Adjuster?

A Claim Adjuster is a representative of the insurance company who investigates and manages claims on behalf of the insurer. They are responsible for approving medical and rehabilitation treatments and work for the insurance company. It is important not to confuse a “claim” adjuster with a “claimant” adjuster. A claim adjuster is a representative of an insurance company and carries out actions on their behalf. On the other hand, a claimant adjuster is a representative of an individual insuree against an insurance company, and carries out actions on that individual’s behalf.

Claim adjusters are responsible for inspecting and documenting damages, gathering evidence, evaluating policy coverage, estimating costs, negotiating settlements, and providing detailed reports and recommendations to security companies for the final approval of claims. For example, a claim adjuster may visit a repair shop after a car accident to assess damages, speak with the driver, and assess the insurance policy. They would then determine the amount of money that the insurance company would pay for repairs.

While claim adjusters work for insurance companies, their role in the claims process serves the interests of both insurance companies and claimants. The involvement of a somewhat neutral party makes it so that claims are processed fairly, and allows for proper compensation in insurance claims.