Claims Adjuster Practice Exam 2025 - Free Claims Adjuster Practice Questions and Study Guide

The primary purpose of a claims adjuster is to investigate and assess claims for the insurance company. This role is crucial in determining whether a claim is valid and how much the insurance company should pay for losses claimed by the policyholder. Adjusters gather information about the incident, including collecting statements, examining physical evidence, and reviewing policy coverage. This thorough process ensures that claims are handled fairly and accurately, aligning the payout with the terms of the insurance policy and the specific circumstances of each case.

By focusing on the assessment and investigation of claims, adjusters help maintain the integrity of the insurance process. This role is not about negotiating for lower settlements or approving claims indiscriminately, as those tasks could lead to unfair practices or financial losses for the insurance company. Additionally, while they may interact with the insured during the process, their primary responsibility is to represent the interests of the insurance company rather than the insured in negotiations.