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What Are The Functions of An Insurance Adjuster? January 22, 2020

Not long after the victim of an accident has filed a personal injury claim, he or she can expect to hear from an insurance adjuster. What is that adjuster’s role?

Insurance adjusters examine damaged property.

Those are the damaged items held by a policy holder, one that has experienced a loss. The adjuster needs to identify the loss, discuss coverage with the policy holder and investigate the policy holder’s claim.

Tasks performed by an adjuster while investigating a claim:

• Take pictures of the damaged item; obtain pictures of any item that has been lost.
• Speak with the policy holder
• Get hold of the police report.
• Assess the amount of damage sustained by the item that has been harmed or stolen.
• If the claim gets contested, then the adjuster must work with the claimant’s lawyer.
• Calculate the size of any cost that needs to be covered.
• Obtain needed records or hospital bills.
• Help with settling the claim.

The adjuster’s work environment

That work environment reflects the nature of the adjuster’s tasks. When adjusters devote most of their time to doing paperwork, they spend many hours in an office. At times, the adjuster doing the paper work might need to complete a given amount of outside research. Other adjusters spend most of their time in the field. They study the damage inside of a building, or on some type of motor vehicle. While at one of those locations, the adjuster’s hands carry and operate a laptop computer, a tablet, a portable printer and a camera.

A possible job for an insurance adjuster

At times, an adjuster’s job entails attendance at a mediation session. That comes about when a policy holder’s claim has been contested, and the dispute has not been resolved by negotiations between the adjuster and the personal injury lawyer of the policy holders in St. Albert. The adjuster’s presence at the mediation session serves as added support for the insurance company, which has contested the policy holder’s claim.

In such situations, the adjuster’s job calls for creation of the sorts of questions that might be posed to the policy holder. Those questions can be asked during the phase of the medication session when the 2 disputing parties have a face-to-face conversation.

Adjusters must learn to alter their typical perspective, when helping with mediation of a given dispute. When undertaking such an effort, the adjuster’s outlook should not be confrontational in nature. Instead, it needs to enable creation of an agreement between the 2 sides of a given issue. After two sides have finished mediating, neither side should experience the sensations of a winner. Rather, those on each side of that particular issue feel quite pleased with the manner in which the former dispute has finally been resolved.