What is the role of a claims adjuster?

The role of a claims adjuster is primarily focused on investigating and evaluating insurance claims. After a policyholder files a claim following an incident, a claims adjuster is tasked with gathering relevant information such as police reports, witness statements, and any other documentation that pertains to the claim. This thorough investigation allows them to assess the validity of the claim and determine the appropriate compensation based on the terms of the insurance policy.

In this role, the claims adjuster works to ensure that claims are handled fairly and efficiently, balancing the interests of both the insurer and the insured. By effectively evaluating the claim's details, the adjuster helps the insurance company manage its risk and control loss, while also ensuring that policyholders receive the benefits they are entitled to under their coverage.

Other options are focused on different aspects of the insurance process. For instance, assessing risk before the policy is issued pertains to underwriting, which is not the responsibility of a claims adjuster. Similarly, marketing insurance products relates to sales functions, and determining premiums involves underwriting and actuarial calculations, which are also outside the claims adjuster's duties.