Adjuster
Definition
An adjuster—also known as a claims adjuster or insurance adjuster—is a person who investigates insurance claims on behalf of an insurance company to determine the extent of the insurer’s liability. Adjusters review accident reports, interview claimants and witnesses, inspect property damage, evaluate medical records, and ultimately recommend how much the insurance company should pay on a claim.
How It’s Used in Personal Injury Cases
After an accident, one of the first people to contact you will likely be an insurance adjuster. If another driver caused your crash, their insurer’s adjuster will reach out to gather information. Your own insurance company may also assign an adjuster if you’re filing a claim under your policy. Adjusters play a central role in settlement negotiations, and the offers they make are based on their evaluation of fault, injury severity, and policy limits.
It’s important to understand that adjusters work for the insurance company—not for you. Their job is to resolve claims efficiently and cost-effectively for their employer, which can sometimes mean offering less than your claim is truly worth.
Practical Example
A few days after your car accident, an adjuster from the at-fault driver’s insurance company calls. They sound friendly and ask you to describe what happened and how you’re feeling. They may request a recorded statement and ask you to sign a medical authorization. While this seems routine, everything you say can be used to minimize your claim. If you mention feeling “okay” or “a little sore,” the adjuster may later argue your injuries weren’t serious. This is why many attorneys advise against giving recorded statements without legal guidance.
Why It Matters to Your Case
Adjusters are trained negotiators with access to sophisticated tools like Colossus—software that evaluates claims based on specific data inputs. They know how to ask questions that benefit their company’s position. Having an attorney communicate with adjusters on your behalf levels the playing field. Your lawyer can ensure that your injuries are properly documented, counter lowball offers, and negotiate from a position of strength.
Key Takeaway
An adjuster investigates your claim and determines what the insurance company will offer to pay. Remember that they work for the insurer, not you—so approach interactions carefully and consider consulting an attorney before providing statements.