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Explaining the Need for Liability Claims Adjusters   

https://zalma.com/blog

The insurance adjuster is seldom, if ever, mentioned in a policy of  insurance. The strict wording of the third party liability policies set  the obligation to prove a claim that entitles the insured to defense or  indemnity of a claim against the insured by an injured third party. Over  a century ago insurers determined that to properly deal fairly and in  good faith with their insureds, an insurance claims professional was  needed to thoroughly investigate claims made against the insured, work  with the insured and a third party claimant to resolve claims without  litigation, and properly protect the interests of the insured.  Adjusting liability insurance claims requires skill, patience, knowledge  of insurance, basic knowledge of tort and contract law, and knowledge  and experience as an investigator. To properly and effectively perform  the duties of a liability claims adjuster, he or she must be capable of  effectively dealing with the following basic obligations:  To understand the law of torts as applied in the state where the  adjuster works. To understand the law of contracts as applied in the state where the  adjuster works. To understand sufficient medical terminology to be able to evaluate  claims of injury. To understand the costs to repair or replace damaged real or personal  property. To understand how to read and apply the terms and conditions of a  liability insurance policy to a particular fact situation developed by  his or her investigation. To understand how to thoroughly investigate all claims assigned. To conduct an investigation of every claim assigned fairly and in good  faith with an intent to find coverage for the loss presented by the  insured. To be able to effectively, fairly and in good faith negotiate with  claimants and lawyers to resolve bodily injury or property damage claims  asserted against an insured. To ascertain that the insurer pays promptly all claims the insurer owes  under the contract. To resist, and recommend against payment of all claims the insurer does  not owe under the contract of insurance.  In the United States, the average adjuster is a 22-year-old graduate of a  liberal arts college who has little or no training sufficient to allow  him or her to fulfill the obligations imposed on them as a  representative of an insurer.