A person who settles insurance claims. Adjusters typically investigate the loss and determine the extent of coverage and negotiates payment to the insured.

In liability insurance, the adjuster coordinates the insured’s defense and participates in settlement negotiations.

  • Adjusters may be employees of the insurer (staff adjusters) or of independent adjusting firms (independent adjusters) that represent insurers and self-insureds, on a contract basis.
  • Public adjusters are consultants who contract to work for the insured in assisting the insured by presenting claims to insurance companies in a manner that will maximize their recovery.


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