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Explaining the Need for Professional Liability Claims Adjusters   

https://zalma.com/blog

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.  

This Compact Book of Adjusting Liability Claims- Third Edition is  designed to provide the new adjuster with a basic grounding in what is  needed to become a competent and effective liability claims insurance  adjuster. It is also designed to work as a refresher for the experienced  adjuster.  The adjuster must be prepared able to show empathy but not sympathy  while professionally investigating a liability claim. In addition, the  adjuster must be able to salve the emotions of the claimant and the  insured, explain why in the law and the policy it was appropriate to  pay, or not pay, the claimant and that a settlement is in the best  interest of both the insured and the insurer the adjuster represents.     

\\xa9 2021 \\u2013 Barry Zalma  Barry Zalma, Esq., CFE, now limits his practice to service as an  insurance consultant specializing in insurance coverage, insurance  claims handling, insurance bad faith and insurance fraud almost equally  for insurers and policyholders.