Types of Insurance Adjusters
This legal guide will go over the different types of insurance adjusters you may encounter throughout the personal injury claims process.
Property Damage AdjusterProperty damage adjusters handle vehicle repair, rental, and out-of-pocket reimbursement issues, such as towing fees and car seat replacement. Property damage adjuster’s duties include iInspecting damages to the vehicle and personal property, preparing estimates, reviewing claimant prepared estimates, and negotiating settlement amounts with claimants.
Bodily Injury AdjusterBodily injury adjusters, sometimes called liability or main adjusters, handle the claim’s personal injury portion. They gather the required information to evaluate the injury claim, talk to the claimant or their attorney, and negotiate a settlement for bodily injury damages. Bodily injury adjuster’s duties entail evaluating and investigating the insurance policy’s coverage and who is liable for the accident, obtaining records and documents from victims, the other driver, and physicians and taking recorded statements, communicating and negotiating settlements with victims and lawyers, interpreting medical records, and reviewing medical bills.
Total Loss AdjusterIn situations where the vehicle is determined a total loss, the appropriate adjuster may be assigned to the claim to assist with the wrecked vehicle’s valuation and any payment owed to the claimant. Sometimes, property damage adjusters also handle total losses. A total loss adjuster is responsible for handling vehicle valuations, reviewing claimant-presenting appraisals, negotiating settlement amounts with claimants, working with salvage facilities, documenting salvage issues according to state statute.