Car insurance glossary
What is claims adjuster?
A claims adjuster investigates an insurance claim and evaluates coverage, damage, fault, and the amount payable.
Also called: insurance adjuster
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.
Related car insurance terms
Put the terms into context
Read the full guide, find a nearby GoAuto office, or start a quote with the coverage details you want to discuss.