Georgia Casualty Insurance Practice Exam

The primary role of a claims adjuster is to investigate and negotiate insurance claims. This involves assessing the validity of claims made by policyholders and determining the extent of the insurance company's liability. Claims adjusters gather relevant information, such as statements from the insured, witnesses, police reports, and any documentation related to the claim. They analyze this data to validate the claim and establish how much the insurance company should pay the policyholder.

In the negotiation process, claims adjusters work with both the insured and the insurance company, striving to reach a fair settlement that complies with the terms of the policy. This role is crucial because it facilitates communication between the parties involved and helps ensure that claims are handled efficiently and accurately. Adjusters play a pivotal part in maintaining the integrity of the claims process, thus supporting insurers in managing risk.

The other options reflect roles that do not align with the responsibilities of a claims adjuster: denying all claims is not a viable or accurate reflection of their duties, selling insurance policies pertains more to sales agents, and providing legal representation in disputes falls within the scope of attorneys rather than adjusters. The primary focus of a claims adjuster is firmly rooted in investigation and negotiation related to claims.