What is the primary role of an insurance adjuster?

The primary role of an insurance adjuster is to investigate claims and determine the extent of the insurer’s liability. This involves assessing the details of the claim, which may include gathering evidence, interviewing involved parties, and reviewing police reports or medical records. The adjuster evaluates the validity of the claim and decides how much the insurance company should pay based on the terms of the policy and the facts of the case.

This role is crucial for ensuring that claims are handled fairly and in accordance with the insurance policy stipulations. By thoroughly investigating claims, adjusters help maintain the integrity of the insurance process, ensuring that legitimate claims are paid out while identifying potentially fraudulent claims. In contrast, selling insurance policies pertains to the responsibilities of agents, managing finances relates to the company's financial officers, and providing legal advice falls under the expertise of legal professionals, not adjusters.