What is the purpose of a claims adjuster in the insurance process?

The role of a claims adjuster is crucial in the insurance process as they are responsible for investigating claims made by policyholders and determining the insurer's liability for losses. This involves assessing the details surrounding the claim, gathering evidence, interviewing witnesses, and evaluating the extent of the damages. A claims adjuster works to ensure that claims are settled accurately and fairly, which directly impacts the insurer's financial obligations and the policyholder's satisfaction. Their decisions help maintain the integrity of the insurance process by ensuring that only legitimate claims are paid out, thus protecting the insurance company's interests while also serving the policyholder's needs. This is why being a claims adjuster is centered around the investigation and evaluation of claims rather than setting premiums, offering marketing guidance, or selling insurance products.