In the context of insurance claims, what does the term 'adjuster' refer to?

The term 'adjuster' specifically refers to a professional who evaluates and settles claims in the context of insurance. Adjusters play a crucial role in the claims process, as they assess the details of a claim to determine its validity and the amount of compensation that should be awarded to the policyholder. This may involve investigating the circumstances surrounding the claim, gathering relevant evidence, interviewing witnesses, and estimating damages. Their expertise enables them to make informed decisions that help ensure fairness in the resolution of claims.

In contrast, individuals who sell insurance policies are typically called insurance agents, and they focus on acquiring new clients and selling coverage rather than managing claims. Underwriters are responsible for evaluating risks and setting the terms and premiums for insurance policies, which is a different function from that of an adjuster. Finally, a representative for insurance agents would handle administrative or promotional duties rather than the investigative and settlement work that an adjuster performs. Thus, the role of the adjuster is uniquely defined within the claims process, making option B the appropriate choice.