What is the primary purpose of an insurance adjuster?

The primary purpose of an insurance adjuster is to evaluate and settle insurance claims on behalf of insurance companies. This role involves assessing the validity of claims that policyholders submit, determining the extent of the insurance company’s liability, and negotiating settlements. Adjusters thoroughly investigate claims by collecting evidence, such as photographs, witness statements, and documentation related to the incident, in order to make informed decisions about payouts.

The focus of the adjuster's responsibilities lies in facilitating a fair and efficient claims process, which ultimately benefits both the insurer and the policyholder. By accurately assessing damages and negotiating settlements, adjusters help ensure that claims are processed in a timely manner and that the right amounts are disbursed according to policy terms.

In contrast, selling insurance policies pertains to agents rather than adjusters, while investigating fraudulent claims is an important aspect of the adjuster's role but not its primary purpose. Legal advice on insurance matters is generally outside the scope of an adjuster's duties and is typically provided by attorneys with expertise in insurance law.