# What is claims adjuster?

> A claims adjuster investigates an insurance claim and evaluates coverage, damage, fault, and the amount payable.

Glossary date: March 2, 2026.

## How it works

An adjuster may work for an insurer or independently on its behalf. A public adjuster represents a policyholder, where permitted, and is paid separately.

## Example

The adjuster reviews photos, speaks with the drivers, and compares a body shop estimate with the covered damage.

## Why it matters

The adjuster needs accurate records to connect the claimed damage with the reported event.

## What to check on your policy

Ask what documents are needed, when the review should finish, and how to request a written explanation of a decision.

Coverage, definitions, limits, and legal requirements vary by policy and state. Your declarations page and policy forms control your coverage.

## Related terms

- [Car insurance claim](https://locations.goautoinsurance.com/car-insurance-glossary/car-insurance-claim.md)
- [Fault determination](https://locations.goautoinsurance.com/car-insurance-glossary/fault-determination.md)

- [Car insurance guide](https://locations.goautoinsurance.com/car-insurance-guide.md)
- [Complete glossary](https://locations.goautoinsurance.com/car-insurance-glossary.md)