Ace the California Commercial Insurance Test 2026 – Unlock Your Career Potential!

The primary function of an insurance adjuster in claims processing is to investigate claims and determine the insurer's liability. This role involves gathering evidence, interviewing witnesses, reviewing police reports or other documentation, and assessing damages related to the claim. The adjuster's goal is to evaluate the validity of a claim and ensure that the insurer pays out appropriate amounts based on the policy terms and the circumstances of the incident.

By meticulously analyzing the details and facts surrounding each claim, the adjuster plays a crucial role in protecting the interests of both the insurance company and the insured. This process helps maintain accuracy and fairness in the outcomes of claims, ensuring that legitimate claims are honored while preventing fraudulent claims from being paid out. The adjuster's findings ultimately influence the settlement process and play a significant part in maintaining the integrity of the insurance system.

In contrast, selling insurance policies, setting insurance rates, and providing legal advice are distinct roles typically performed by other professionals within the insurance industry. The responsibilities of an adjuster are focused solely on the investigation and resolution of claims, making this function essential in claims processing.