Los Angeles Claims Adjuster Property and Causality Practice Exam

Who is restricted from adjusting claims on behalf of the individual policyholder?

1. A public adjuster

2. An independent adjuster

3. A claims examiner

4. A liability adjuster

The correct answer is: An independent adjuster

The selection of the independent adjuster as the correct answer stems from their role and the relationship they have with the policyholder. Independent adjusters are typically hired by insurance companies to evaluate claims on their behalf, meaning they represent the interests of the insurance carrier rather than the policyholder. This creates a conflict because their primary obligation is to the insurer, not the individual policyholding clients. On the other hand, public adjusters are specifically employed by policyholders to negotiate and adjust claims for them. Claims examiners focus on reviewing claims after they are filed, often working with documentation and claims history, but they also serve the interests of the company. Liability adjusters handle claims related to liability issues, usually also representing the insurance provider. Therefore, the independent adjuster is the one who is restricted from adjusting claims on behalf of individual policyholders as they represent the interests of the insurance company and do not advocate for the policyholder's claims directly. This distinction is important in the insurance claims process where representation and advocacy can significantly influence claim outcomes.