Arizona Adjuster Practice Exam

Which adjuster is employed directly by an insurance company?

1. Independent adjuster

2. Public adjuster

3. Staff adjuster

4. Claims consultant

The correct answer is: Staff adjuster

The choice of a staff adjuster is accurate because this type of adjuster is an employee of an insurance company. They are responsible for investigating, evaluating, and settling claims on behalf of the insurer. Staff adjusters work directly for the company, which allows them to align closely with the company's policies, processes, and objectives when handling claims. This employment structure typically provides them with training and resources directly from the insurer, positioning them to effectively advocate for the company's interests. In contrast, independent adjusters are contracted to assess claims for multiple insurance companies, often working on a per-claim basis. Public adjusters represent the policyholder and advocate for their interests in dealing with the insurance company, rather than being employed by the insurer. Claims consultants can play various roles in the claims process, often providing specialized knowledge or advisory services, but they are not specifically an employee of an insurance company. Thus, the definition and employment relationship associated with a staff adjuster distinctly set it apart as the correct answer.