has developed an inexpensive pre-screening process
to help companies determine which employees are
suited for the insurance adjuster training school. This
process has saved our clients much time and money by
eliminating the expenses associated with training
those who are not particularly suited for insurance
of insurance adjusters:
Adjuster - A company adjuster is an adjuster
representing the interests of the insurer,
including independent contractors and salaried
employees of the insurer.
Adjuster - An independent contractor
representing solely the financial interests of
the insured named in the policy. The insured and
not the insurance company pays the adjuster.
An insurance adjuster is expected to perform
all or some of the following tasks:
- Inspect damaged
properties and estimate amount of loss.
- Determine if
claimants' policies cover the type of damage
they are claiming.
- Talk to
policyholders, witnesses, and police to gather
information. Read hospital records and police
information about claims. May contact
policyholders or insurance agents to clarify
- Write reports
explaining their decisions.
- Negotiate with
policyholders to settle claims.
- Gather evidence
to support contested claims in court. Meet with
- May testify in
investigation may be as simple as verification of
bills and estimates, or it may be expanded to
include taking photographs, interviewing witnesses,
or recording statements, as the circumstances
require. Also, the facts obtained during the
adjuster's initial investigation must be transferred
into evidence, if and when the claim goes into suit,
so that allegations made by the insurer may be
general plan of investigation will consist of all or
some of the following elements in this sequence:
1. Critical Evidence -
Statement of the adverse driver (if an auto case).
Statement of the claimant (or claimants in the order of the
severity of the injuries).
Photograph of the accident scene, showing skid marks and
other evidence of the accident.
Examination and photographs of the vehicles themselves
showing the damage and point of impact.
The product itself or the instrumentality causing the injury.
2. Fact Evidence -
Statements of disinterested witnesses.
Statement of the insured, his driver, or employee having
knowledge of the accident, the instrumentality causing it, or
the part of the premises in which the accident is alleged to
Negative statements from persons who were in a position to
have seen the accident or have some knowledge of its
occurrence, but who deny having such knowledge.
3. Official Reports -
State motor vehicle reports filed by the parties to the accident
Fire department reports
Reports of state motor vehicle inspectors
Traffic court proceedings
Arraignment in magistrate court
Coroner's inquest transcript
Birth and marriage certificates
Certified copies of court records showing prior convictions of
Hack bureau reports (if a taxi cab is involved)
C.A.B. reports (aircraft)
I.C.C. reports (interstate truckers)
Coast Guard reports (boats)
4. Unofficial Reports -
5. Medical Reports -
Attending physician's report and records
Medical or hospital reports covering preexisting injury or disease
6. Documentary Evidence -
Deeds of ownership of land
Contracts and agreements, especially contracts for
construction, alterations and repair, as well as hold harmless
7. Visual Evidence -
Diagrams or sketches of the scene of the accident
8. Verification Evidence
Employer's records to show wage loss
Index bureau reports
Workers' compensation claims made by injured, arising out of
the same accident
9. Expert Evidence -
Report of company medical examiner
Automobile inspector or appraiser
Engineer or chemist