Which insurance professional is primarily responsible for investigating and negotiating claims?

The adjuster is primarily responsible for investigating and negotiating claims in the insurance industry. This role entails a comprehensive assessment of the circumstances surrounding a claim, which includes reviewing policy provisions, interviewing involved parties, and collecting any relevant documentation or evidence. Adjusters evaluate the validity of claims, determine the extent of the insurer's liability, and negotiate settlements in line with the policy and applicable laws.

While agents, brokers, and direct writers play important roles in the insurance process, their functions differ significantly from that of an adjuster. Agents and brokers focus on selling insurance policies and may assist clients in choosing coverage, but they are not typically involved in the claims process itself. Direct writers represent a specific insurance company and may sell policies directly to consumers, yet they also do not handle claims investigation and negotiation. These distinctions highlight why the adjuster is the correct choice for the role of investigating and negotiating claims.