Understanding the Job of Car Insurance Claims Adjusters

In cases where a car is involved in an accident or is the subject of theft or vandalism,  an insurance claim has to be filed. And, once a claim has been filed, the insurance company will send a claims adjuster to evaluate it.

 

The adjuster's role

An adjuster investigates and looks into the claim as a starting point for the claim to be processed. He or she will look into the extent of the damage that has been sustained by both vehicles (in case of collision) and the extent of body injuries (in case of persons involved sustaining injuries).

The adjuster interviews the parties involved and possible witnesses. He or she likewise consults police, hospital records, and repair cost estimates. He or she may need to consult other professionals, such as car engineers or physicians, for a more expert evaluation. The claims adjuster inspects and evaluates the documents submitted, which include but are not limited to police reports, affidavits, incident reports, photographs, hospital or medical records, and receipts.

After reviewing the car insurance policy and its coverage, he or she will determine the extent of the insurance company's liability and establish the fair settlement amount. The adjuster negotiates with the claimant and settles the claim. In the event that there will be any argument or contest on the claim from either parties involved or from the insurance companies of either party, the adjuster will have to defend the findings that he or she has made and/or work with the attorneys and expert witnesses who are involved in the controversy.

As the car insurance claims adjuster usually works for the insurance company, he or she always endeavors to minimize the cost involved to settle the claim while ensuring that the client-claimant does not feel aggrieved or is put to a disadvantage.