Dealing With an Insurance Claims Adjuster
An insurance company employee or contractor who investigates claims, determines coverage, and evaluates damages to recommend settlement amounts.
Understanding Claims Adjuster
Adjusters work for the insurance company, not the claimant. They investigate accidents, review medical records, take statements, and make settlement recommendations. Understanding the adjuster's role helps in negotiations. Public adjusters work for policyholders.
Examples
- 1Adjuster taking recorded statement
- 2Property damage inspection by adjuster
- 3Negotiating settlement offer with adjuster
Related Terms
Uninsured Motorist Coverage
Insurance coverage that protects you if you're injured by a driver who has no liability insurance or insufficient coverage to pay for your damages.
No-Fault Insurance
An auto insurance system where each driver's own insurance pays for their medical expenses and lost wages regardless of who caused the accident.
Total Loss
When a vehicle is damaged to the extent that the cost of repairs exceeds the vehicle's actual cash value, or when the vehicle cannot be safely repaired.
Bad Faith Insurance
When an insurance company unreasonably denies, delays, or underpays a valid claim, or fails to properly investigate or defend its insured.
Subrogation
The right of an insurance company to pursue a third party who caused the loss to recover the amount paid on a claim.
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