Insurance adjusters determine how much money insurance companies will pay for a liability or property damage claim. Typically, insurance adjusters will investigate your claim thoroughly before making an offer on behalf of the insurance company to settle your claim.
This investigation may include obtaining a police report, talking to witnesses, reviewing medical records, or inspecting property damage.
There are several types of insurance adjusters. Insurance company staff adjusters are employed by an insurance company. Independent insurance adjusters are used by smaller insurance companies on an “as needed” basis to settle claims.
Claim service representatives handle smaller claims such as shattered windshields, and can either be employed by an insurance company or work independently.
You can also hire a public adjuster to work for you if you are disputing your insurance company’s settlement offer.
In some cases, your insurance agent has the authority to settle minor claims for the insurance company they represent.
If you don’t feel you’ve been treated fairly by your insurance company, please fill out the form on this site to receive a free evaluation of your case by an attorney.