When should an adjuster consider moving to dispute resolution?

The correct choice highlights a critical aspect of the claims adjustment process. An adjuster should consider moving to dispute resolution when the difference between the adjuster's assessment and the claimant's expectations is significant. This situation generally indicates that the negotiation process may not be effective in reaching a mutual agreement, suggesting that further formal dispute resolution methods may be necessary to resolve the differing viewpoints.

In such circumstances, engaging in dispute resolution can help facilitate a fair outcome by involving neutral third parties or alternative methods such as mediation or arbitration. This approach can save time and resources compared to prolonged negotiations or litigation, making it an important consideration for adjusters when faced with substantial disagreements over a claim.

Contextualizing this with the other options, while a large discrepancy heightens the likelihood of needing dispute resolution, factors like fraudulent claims, unreasonable claimants, or conflicts of interest signal more specialized needs or concerns that could also warrant attention but do not universally indicate a move to dispute resolution as strongly as a significant difference in claim amounts does.