A Claims Adjuster is best described as which of the following?

• A. A person involved in the investigation, adjustment, negotiation and/or trial preparations of claims
• B. A person who writes policies
• C. A person who handles only medical claims
• D. A person who underwrites risks

Answer: (A)

A claims adjuster handles the post-loss process of a claim: investigating what happened, adjusting the damages or liability under the policy, negotiating a settlement, and preparing for trial if the dispute goes that far. This role centers on evaluating the claim, applying the policy terms, and working toward a fair settlement between the insured or claimant and the insurer. They aren’t the people who write policies—that’s underwriting—and they don’t focus solely on medical claims or on underwriting risks. So the best fit is the description that emphasizes investigation, adjustment, negotiation, and trial preparation.