The responsibility of an insurance adjuster is to reconcile claims.
They have the responsibility of figuring out whether or not a claim
should be paid. In order for an insurance adjuster to do this, there
must be a contract review, determination of value and losses, and
investigation of all facts.
There is a lot involved when claims are being processed. Reports
are needed which include estimates and appraisals. Interviews will take
place concerning the claim, and will involve the claimant and
policyholder. All information will then be compared against the
There are many types of insurance adjusters. There are auto,
medical, property, bodily injury, and more. Auto adjusters only handle
claims that have to do with vehicles. These adjusters are taught
driving rules as well as the parts that make up a vehicle. Auto
adjusters need to be quick on their feet when deciding who is at fault
during a claim.
When someone has damage to his or her home, this is where a
property adjuster comes in. They must be able to understand the makeup
of a home. This allows them to help place value to the different parts
and areas. The majority of claims that are handled by property
adjusters include water, fire, and wind damage.
There are insurance adjusters that are dedicated to reconciling
medical claims. They understand the human body, medical bills, and
various medical reports. An injury needs to be able to compare to
whatever accident took place to cause physical damage.
Some medical adjusters are devoted to bodily injury claims. They
have knowledge of how injuries affect the body. Claims adjusters in
this situation must be able to figure out an injury's value and present
it to a jury. Most claims for this type of insurance adjuster deal with
back and neck injuries.
Although many people are intimidated initially when approached by
insurance adjusters, they do benefit our society in a great way. Many
times people see them as the enemy. This is not true. Insurance
adjusters can be looked at as medics coming to the scene of an
accident. They can help people who have lost almost everything regain
what they deserve.