Which aspect is off-limits for an adjuster to negotiate?

An adjuster is off-limits from negotiating punitive damages because these damages are not typically covered by insurance policies. Punitive damages are designed to punish a wrongdoer and deter similar conduct in the future, rather than compensate the victim for their losses. As such, they fall outside the typical scope of an adjuster's role, which primarily involves assessing and negotiating compensatory damages related to actual losses or injuries sustained by a policyholder.

In the context of the other options, negotiable areas like bodily injury could arise from settled claims, and situations involving hit and run accidents or catastrophic storm damage may also involve compensatory negotiations. However, punitive damages do not fit within the standard adjuster practice as they relate more to the legal consequences rather than compensatory coverage.