Who Are Insurance Adjusters and What Do They Do?

Who Are Insurance Adjusters?

When you’ve been involved in a motor vehicle collision, injured on someone’s premises, or experienced any other type of situation where you’ve been harmed, one of the first things that happen is you get phone calls and possibly papers in the mail from people known as insurance adjusters.

But who are insurance adjusters, and what roles do they play in your personal injury case? It’s important to understand who you’re talking to and who they work for in order to navigate the insurance claims process effectively.

In the video above, learn who insurance adjusters are and the different roles they may play in your case. You can also read about them below.

Types of Insurance Adjusters and Their Roles in Your Case

No-Fault Medical Adjuster/Personal Injury Protection (PIP) Adjuster

  • Works for your insurance company or the insurance company of the premises you were injured on
  • Works to pay your medical bills

In a motor vehicle collision or premises liability case, one of the first people who will call you will be the no-fault medical insurance adjuster or - in the case of an automobile accident - the personal injury protection adjuster, often called the PIP adjuster. These are adjusters who are there to make sure your medical bills get paid.

In the case of a motor vehicle collision, this adjuster is from your own insurance company. When you sign a contract for auto insurance coverage, part of that coverage provides for no-fault medical benefits. In other words, it doesn’t matter if you caused the collision or if someone else did - you’re entitled to medical coverage up to your policy limits. The same is true if you’re injured on someone’s premises. Even some medical malpractice cases involve a med-pay policy.

Property Damage Adjuster

  • Works for the at-fault insurance company
  • Negotiates your property settlement

The second type of adjuster who may contact you is a property damage adjuster. This is most common in the case of an automobile collision, in which the adjuster will call you to begin the process of determining the value of the damage done to your car.

Sometimes, you’ll have an actual appraiser come out to evaluate the car. However, the property damage adjuster will be the one you’re actually negotiating with, typically by phone, over the issue of how much your car damage is worth. This adjuster can be from your insurance company or from the at-fault’s insurance company.

Bodily Injury Adjuster

  • Works for the at-fault insurance company
  • Negotiates your bodily injury claim

The third type of adjuster you’re going to encounter is a bodily injury adjuster. In any kind of injury case, this is the person who looks at the overall impact the injury has had on your life. This includes wage loss, permanent injury, lasting physical pain or complications, or any other lasting damage resulting from the initial accident. This adjuster works for the at-fault insurance company and is there to compensate you for harms in your case.

Remember who you’re talking to.

Each of these types of adjusters is evaluated based on how much money they keep in their pockets (i.e., the insurance company’s pockets) - not how much they payout to you. In other words, the adjuster is not there to protect your interests, but the interests of the company they work for. If you’re unsure who you’re speaking to or why they’re calling, ask them directly. You’ll be asked to give important and often sensitive details about the accident, your property, and your health, so you need to know who’s asking for that information and how it will be used.

If in doubt, feel free to call the attorneys at Nelson MacNeil Rayfield, or use the resources on our website and blog to learn more about the process.

Call us at 1.877.928.9147 For A Free Consultation!

Awards & Recognitions

The American Association for Justice award logo Oregon Trial Lawyers Association Membership Badge Nelson MacNeil Rayfield Trial Attorneys PC BBB Business Review
AV Preeminent Award for Ethical Standards and Legal Ability. The highest peer rating standard. Super Lawyers Award Logo

We are proud sponsors of:

NMR sponsored Boys and Girls Club of Albany, The YMCA, Mothers Against Drunk Driving, and more.