A “claims adjuster” is an insurance professional who investigates an insurance claim after an accident or other covered loss. The “claims adjuster” meaning refers to someone who reviews the facts of a claim, evaluates the damage, and determines whether the loss is covered under the insurance policy and what payment, if any, may be available. In auto insurance, an insurance adjuster plays an important role in helping insurers gather the information needed to make a claim decision.
What does a claims adjuster do?
When a claimant files an auto insurance claim, the insurance company may assign an auto claims adjuster to review the case. The adjuster's responsibilities may include:
- Reviewing the details of the claim and the insurance policy
- Inspecting the damaged vehicle or other property involved
- Gathering documentation, such as photos, repair estimates, witness statements, and police reports
- Evaluating coverage and assessing the amount that may be payable under the policy
According to the National Association of Insurance Commissioners, an insurer may assign a claims adjuster to inspect the damage, investigate the facts of the loss, and evaluate the claim. Claimants may be asked to cooperate with the investigation and provide documents that help support their claim.
Types of claims adjusters
Understanding the types of claims adjusters can help explain who is handling a claim and whom they represent.
- Staff adjuster: An employee of the insurance company who manages claims on the insurer's behalf.
- Independent adjuster: A self-employed professional or contractor hired by an insurance company to handle claims as needed.
- Public adjuster: A licensed professional hired by the policyholder or claimant rather than the insurance company. Public adjusters represent the claimant's interests during the claims process and generally charge a fee for their services.
When comparing staff versus independent versus public adjuster roles, the primary difference is who hires the adjuster and whose interests they represent.
Working with a claims adjuster
Knowing how to work with a claims adjuster can make the claims process easier to navigate. Claimants may have the opportunity to answer questions, submit additional documentation, and ask for an explanation of the claim decision. If a claimant disagrees with the adjuster's assessment, they may be able to request a review, use an appraisal process described in the policy, or contact their state insurance department for additional guidance.
To learn more about what to expect after filing a claim, read the claims process guide in the Infinity Insurance Agency, Inc. (IIA) Knowledge Center.
Find Affordable Auto Insurance Options
Filing a claim can be less stressful when you understand the role of a claims adjuster and have the right auto insurance coverage in place. IIA works with more than 20 insurance carriers to help drivers find affordable auto insurance options that fit their needs and budget. Our experienced, Spanish-bilingual agents can explain your coverage options and answer your insurance questions before and after a claim.
Call 1-855-478-3705 or get a free quote online today.
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