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Is adjusting an insurance claim engaging in litigation?

Updated: 8/21/2019
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9y ago

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No. Adjusting an insurance claim is an activity that does not require any legal filings or court appearances. If an insured wished to contest the adjustment made by an insurance company, that contestation could rise to the level of litigation, but not the adjustment itself.

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9y ago
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9y ago

The foregoing answer is correct. However, insurance adjusting is a licensed occupation. Persons who engage in it must be licensed by the insurance regulatory authority of the state in which they work/the claim is located. The licensure is such that an adjuster gets licensed to adjust stated kinds of claims (for example, property claims, health claims). Further, an adjuster can work for an insurer and adjust the claims of the insureds of that insurer, or can be an independent adjuster. The latter is an "adjuster for hire" in the sense that he/she can be hired by a third part to adjust his/her own claim. Usually, an independent adjuster is paid a percentage of the recovery.

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