West Virginia Adjusters Practice Exam

Which type of insurance claims adjuster works directly for the insurance company?

1. Independent Adjuster

2. Public Adjuster

3. Staff Adjuster

4. Temporary Adjuster

The correct answer is: Staff Adjuster

The type of insurance claims adjuster that works directly for the insurance company is the staff adjuster. Staff adjusters are employed by an insurance company and are responsible for assessing claims made by policyholders to determine the insurer's liability. Their role includes investigating claims, reviewing evidence, and making decisions regarding the payment or denial of those claims based on the company's policies. Independent adjusters, on the other hand, are self-employed or work for adjusting firms and are often contracted by insurance companies to handle claims. Public adjusters represent policyholders and advocate on their behalf to ensure they receive a fair settlement from the insurance company. Temporary adjusters typically work on a short-term basis, potentially filling in for staff adjusters during peak times or specific projects but are not considered part of the permanent staff of the insurance company.