Introduction
When you get yourself into a vehicular accident, it is natural to worry in regards to the repair cost or even to file an insurance claim. However, you’re not just filing a claim and you receive compensation, no. There will be insurance investigator called “Adjusters” which will inspect the damage vehicle and determine the compensation amount.
An adjuster isn’t just someone who inspects your damaged vehicle. They actually act as a bridge between the car owner, the workshop, and the insurance company. Without their report, no claim can be officially approved.
What Is an Adjuster?
To put it simply, an Adjuster is an insurance investigator sent out by the insurance company to properly assess the damage that has occurred to insured’s vehicle and report back to company to calculate the amount of compensation that is to be provided. Their job is to take photo evidence, ensure that all information regarding the accident is accurate to properly process for valid insurance claim.
Main Duties of an Adjuster
Here are the key duties of an Adjuster:
1. Assess Vehicle Damage
The Adjuster will inspect damage to the vehicle from both parties and ensure that it matches the police report provided by the claimee.
2. Review Repair Costs
Adjuster is to inspect vehicle damage from both parties involved and review the amount to be provided.
3. Determine Compensation Value
Based on their evaluation and your insurance policy terms, the adjuster recommends the appropriate compensation amount for insurer approval.
4. Prepare the Official Report
All findings are compiled in a Loss Adjuster Report, which serves as the foundation for the insurer’s final decision on your claim.
Why Adjusters Are So Important
Without Adjusters, insurance claims can be falsified and become biased, claims will either be under or overcompensated. Adjusters act as the middleman hearing out both parties so that they would be treated fairly. By doing so, they are able to detect fraudulent claims and may speed up the claims process.
How the Claim Process Works with an Adjuster
Here’s a simple overview of what typically happens:
- The car owner files a police report and submits an insurance claim.
- The insurance company appoints an adjuster to assess the damage.
- The adjuster visits the workshop, takes photos, and checks the documents.
- The report is prepared and sent back to the insurance company.
- The insurer reviews the report and approves compensation if eligible.
Conclusion
If an adjuster takes time to inspect your vehicle, it’s not a delay — it’s a crucial step to ensure fairness for all sides.
Their report ensures your payout isn’t just a guess, but based on professional evaluation.To make claim tracking and policy verification easier, you can use BJAK — all documents and claim updates are accessible digitally, making the process faster and safer.
Read More:
Complete Guide for First-Time Car Owners Buying Insurance
