What is the purpose of an insurance adjuster?

The purpose of an insurance adjuster is to assess claims and estimate damages. This role is crucial in the insurance process, as adjusters evaluate the details of a claim, determine the extent of the insurer's liability, and work to ensure that the insured receives a fair settlement based on the policy terms.

Adjusters gather information, such as the circumstances surrounding the claim, information from relevant documents, and sometimes even witness statements. They analyze this data and apply their expertise to decide how much compensation should be offered to the claimant. Their evaluations are based on industry standards, guidelines, and the specifics of the insurance policy involved.

The other options imply roles that do not align with the primary responsibilities of an adjuster. For instance, selling insurance policies is the function of insurance agents, while representing the insured in legal disputes typically falls within the scope of legal professionals. Investigating fraudulent claims is only a part of an adjuster's job and not the sole purpose of their role. Overall, the core function revolves around the assessment and estimation of claims to facilitate the claims process effectively.