What is the role of a claims adjuster during an investigation?

The role of a claims adjuster during an investigation is to gather evidence, interview witnesses, assess damages, and determine the validity of the claim. This comprehensive process is crucial in ensuring that claims are handled fairly and accurately. The adjuster acts as an investigator who collects all necessary information to evaluate the circumstances surrounding the claim. By interviewing witnesses and assessing damages, the claims adjuster can form an informed opinion on whether the claim should be approved or denied. This thorough approach helps prevent fraudulent claims and ensures that legitimate claims are processed efficiently.

The other options do not fully encompass the responsibilities of a claims adjuster. Processing all claims without field investigations would bypass the essential investigative work needed to understand each claim's specifics. Representing the insurer in court goes beyond the adjuster’s typical duties, which focus more on claim assessment rather than legal advocacy. Approving or denying claims based solely on preset criteria would overlook the critical analysis and individual circumstances that an adjuster must consider to make informed decisions.