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What is an Insurance Adjuster?

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Talent.com talent.com
Answered April 07 2022
Career Expert at Talent.com
The role of an Insurance Adjuster is to determine the amount of loss coverage that the company is accountable for. They investigate, analyze, and calculate the amount of damage claimed, establishing an accurate settlement payment that would satisfy the client’s needs and protect the company from unnecessary or excessive loss.

Insurance Adjusters usually work as part of the staff of an insurance company or as independent Adjusters. Companies often hire Insurance Adjusters when they have a reason to suspect that their client, or the claim they filed, is involved in insurance fraud. Should an Insurance Adjuster determine through analysis and examination that a claim is part of a fraud, the case will usually be settled by a court of law.

These professionals primarily work with property or vehicle damage claims, although health-related claims are not uncommon. When dealing with these claims, Insurance Adjusters visit and investigate the accident scene to determine its cause, interview witnesses and experts to collect further information, and evaluate the policy contract to verify the extent of the coverage granted.

Personality of an Insurance Adjuster
  • They are reliable
When you're an Insurance Adjuster, people rely on you to complete a variety of tasks like traveling to the scene of an accident, interviewing crucial witnesses, and answering their questions. Insurance Adjusters must be dependable and always be there when they are needed. Those who work as independent Adjusters must be self-starters and independently motivated to work each day. 
  • They are great communicators
Insurance Adjusters must communicate clearly to create strong relationships with customers and coworkers. They should understand the importance of listening carefully and understanding clients' inquiries to assess and resolve any issues promptly. Having a friendly and appealing personality will help any Insurance Adjuster engage in positive interactions with clients. They must also be able to explain complex insurance-related topics to laypeople who do not have the background knowledge they do.
  • They are empathetic
Insurance Adjusters work with people under stress; otherwise, they would not have had to contact an Adjuster in the first place. Clients may also be angry or in an otherwise emotionally volatile state. A good Insurance Adjuster is patient, empathetic, and tries to understand their client's situation (and also understands that they shouldn't take anger directed at them personally!).
Easteregg!