What is the primary role of a claims adjuster in the claims process?

The primary role of a claims adjuster in the claims process is to investigate claims and determine insurer liability. This involves a thorough examination of the circumstances surrounding the claim, including gathering evidence, interviewing witnesses, and reviewing relevant policy information. The claims adjuster assesses the validity of the claim based on the policy terms, applicable laws, and the details gathered during the investigation. By doing so, the adjuster plays a crucial role in ensuring that claims are handled fairly and that the insurer's obligations under the policy are met while protecting the insurer from fraudulent claims.

In contrast, processing automatic payments for claims does not require the specialized skills or investigative work that a claims adjuster provides. Handling policy applications and managing customer service inquiries also fall outside the primary responsibilities of an adjuster, as these tasks are generally managed by other roles within the insurance company.