Who is an adjuster in the context of insurance?

An adjuster in the context of insurance serves as a representative of the insurance company who handles the claims process. This individual investigates the circumstances surrounding a claim, assesses the damages or losses reported by the policyholder, and determines the extent of the insurance company's liability for the claim. The adjuster plays a pivotal role in ensuring that claims are processed fairly and in accordance with the policy terms.

In this context, the adjuster conducts interviews, reviews documentation, and may even inspect property or injuries to gather all necessary information. Their ultimate goal is to arrive at a fair settlement amount based on the evidence provided and the specifics of the insurance policy in question. This role is vital for both the insurer and the insured, as it aims to resolve claims quickly and efficiently while maintaining compliance with regulatory requirements.

The other options describe roles or functions that do not align with the specific duties of an adjuster in the insurance process. For example, a person who purchases insurance policies does not have the responsibilities tied to claims investigation and settlement. Similarly, calculating deductibles or evaluating coverage typically falls under different aspects of insurance management, which do not encapsulate the essential role of an adjuster.