An adjuster in a lawsuit context is insurance claims adjuster who investigates insurance claims to determine extent of insurer's liability and amount of compensation, acting as intermediary between claimant and insurance company, not directly part of lawsuit but involved before and during litigation. In lawsuit, adjuster is person assigned by insurance company to evaluate claim, investigate facts, interview witnesses, review documents like medical records and police reports, assess damages to property or person, and negotiate settlement. Adjuster determines whether claim is covered under policy and how much should be paid, similar to assessing whether HEPA filtration system damage is covered. There are different types, staff adjuster employed by insurer, independent adjuster hired externally, and public adjuster hired by claimant to advocate for higher payout. In lawsuit, adjuster may be deposed and provide evidence about investigation, but adjuster does not decide lawsuit outcome, court or jury does. If settlement not reached, claimant may file lawsuit against insured, and adjuster continues to manage claim for insurer, working with defense attorney. Adjuster's role is to settle claims fairly and efficiently to avoid lawsuit, but when lawsuit filed, adjuster remains involved in evaluating exposure and recommending settlement authority.
1 votes
Marked as accepted