Claims Adjuster.
In plain English
A claims adjuster is the person who reviews your insurance claim after a crash, theft, or other loss. They gather facts: photos, repair estimates, police reports, and statements, then decide what the policy covers and how much to pay. Some adjusters work directly for the insurance company, while independent adjusters are hired per claim. A public adjuster is different: that one works for you, the policyholder, usually for a percentage of the settlement.
01Why it matters
The adjuster's number is what lands in your settlement, so knowing they represent the insurer (unless you hired a public adjuster) helps you document your loss well and push back if the offer seems low.
02The math, step by step
After a fender-bender, the adjuster looks at your car, pulls a repair estimate, and offers to pay $3,200 minus your $500 deductible, leaving you a $2,700 check. If your own mechanic quotes $4,000, you can share that estimate and ask the adjuster to reconsider before you accept.
03What this is NOT
A company or independent adjuster is not your advocate. They work for the insurer and aim to settle fairly but cost-consciously. Only a public adjuster, whom you hire and pay, works on your behalf.
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