How does an adjuster determine liability in an accident claim?

An adjuster determines liability in an accident claim by evaluating evidence, police reports, and applicable laws. This process involves a thorough investigation to understand the specifics of the incident under review. Evaluating evidence includes examining photographs, witness statements, and any physical evidence from the scene of the accident. Police reports provide official documentation of the event, detailing the actions of the involved parties and any citations issued. Additionally, applicable laws, such as traffic laws or liability statutes, guide the adjuster's assessment by establishing the legal framework within which the accident falls.

This methodical approach ensures that the adjuster arrives at a fair and substantiated conclusion regarding who is at fault, relying on objective information rather than subjective opinions or guesses. This is critical for ensuring accurate claim resolution and maintaining a fair claims process.