What is the primary function of an adjuster in the context of insurance claims?

The primary function of an adjuster in the context of insurance claims is to investigate claims. This involves reviewing the details surrounding an insurance claim, which includes gathering evidence, interviewing witnesses, evaluating damages, and determining the legitimacy of the claim. An adjuster's role is essential in assessing the situation accurately to ensure that the claim is handled fairly and in accordance with the insurance policy terms.

Investigating claims allows adjusters to provide a well-informed recommendation to the insurance company regarding the claim's approval or denial and the appropriate compensation. This careful analysis is crucial for maintaining the integrity of the insurance process and ensuring that policyholders receive fair treatment based on their coverage.

The other options, while related to the broader field of insurance, do not directly describe the primary function of an adjuster. Settling legal disputes is typically handled by legal professionals, writing insurance policies is the responsibility of underwriters, and calculating insurance premiums is usually performed by actuaries and underwriters as part of risk assessment, not adjusters. Thus, the central role of an adjuster clearly aligns with investigation as the key aspect of their duties in the claims process.