_____________ is an insurance specialist who works for the insurance company as an independent adjustor or for an adjustment bureau, to investigate claims.
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A. B. C. D.A
The correct answer is D. Claims adjuster.
A claims adjuster is an insurance specialist who works for the insurance company as an independent adjuster or for an adjustment bureau, to investigate claims. The primary function of a claims adjuster is to investigate insurance claims made by policyholders and determine the appropriate amount of compensation that should be paid out by the insurance company.
When a policyholder files an insurance claim, the claims adjuster is responsible for reviewing the claim, gathering information from the policyholder and any other involved parties, assessing the damage or loss, and determining the extent of coverage provided by the policy. Based on this investigation, the claims adjuster will then determine the amount of compensation that should be paid out to the policyholder.
There are different types of claims adjusters, including staff adjusters who work directly for the insurance company, independent adjusters who are contracted by the insurance company to handle claims, and public adjusters who work on behalf of policyholders. However, in the context of the exam question, the term "independent adjuster" refers to a claims adjuster who is not an employee of the insurance company but works on a contract basis.
To summarize, a claims adjuster is an insurance specialist who investigates claims and determines the appropriate amount of compensation to be paid out by the insurance company.