What is the role of an insurance adjuster?

The role of an insurance adjuster is primarily focused on investigating and evaluating claims to determine the insurer's liability. Adjusters are responsible for assessing the details of a claim, which may involve examining the circumstances surrounding the incident, collecting evidence, interviewing witnesses, and reviewing police reports and other relevant documentation.

By conducting thorough investigations, adjusters determine the validity of claims and the amount of compensation the insurer should pay if liability is established. This role is critical in ensuring that claims are handled fairly and that the insurance company pays out only for legitimate claims, thereby maintaining the integrity of the insurance system as a whole.

The other roles mentioned, such as creating new insurance policies, selling insurance products, or overseeing underwriting processes, do not accurately define the responsibilities of an adjuster. Each of those tasks is typically handled by different professionals within the insurance industry.