Claim Adjuster Duties Defined
A claims adjuster mostly works for estate or life insurance companies and handles all insurance claims clients put forward. A claim adjuster works with investigators, claim examiners and claim appraisers to determine the amount of money the insurance company is liable to pay to the client.
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Investigation
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A claims adjuster carries out the initial investigation into the legitimacy of an insurance claim by interviewing the client, studying medical and police records, and inspecting physical damages.
Consultations
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During an investigation, a claims adjuster may seek advice from experts such as doctors, attorneys, engineers or accountants.
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Approved Claims
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Once a claims adjuster has determined that the insurance claim is justified, he starts negotiations with the client about the amount the insurance company owes.
Public Adjusters
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A public claims adjuster does not work for an insurance company; she is hired by a claimant to negotiate with the insurance company on the claimant's behalf.
Independent Adjusters
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A claims adjuster can choose to work as a freelancer. Some insurance companies hire independent claims adjusters temporarily.
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