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I. Definition

Insurance adjusters are professionals engaged in the investigation, loss determination, adjustment and inspection of insurance claims. He made an objective and fair evaluation of the entrusted matters from an independent standpoint and provided services for the insurance parties. You can also call an insurance adjuster.

An insurance adjuster refers to a company established according to law and entrusted by an insurance company, the applicant and the insured to survey, evaluate, determine losses and adjust the subject matter of insurance, and collect remuneration from the principal.

With the rapid development of insurance industry in China, insurance intermediaries are increasingly active. The public may be familiar with insurance agents and brokers, and they also feel the convenience they bring us to buy insurance. It is strange that the insurance adjuster is also a member of the insurance intermediary.

Insurance adjusters have developed rapidly in various insurance markets around the world, and now they have become an indispensable part of the insurance market. At present, there are few insurance assessors in China, which is far from meeting the market demand. The insurance regulatory authorities are striving to improve the laws and regulations of insurance assessment and promote the rapid and healthy development of insurance assessment in China.

Second, the characteristics

Economic insurance assessors usually reserve professional and technical personnel, accept the entrustment of many insurance companies, handle different types of insurance assessment business, accumulate insurance assessment experience and improve the level of insurance assessment, thus helping insurance companies reduce costs and improve economic benefits.

Professionalism Because insurance assessors handle different types of insurance claims and assessment business for many insurers or policyholders, insurance assessment institutions must have professional engineers and technicians who are familiar with various professional backgrounds of insurance business. Compared with the adjusters of insurance companies, they have more skills and experience in handling insurance claims.

As an intermediary in the insurance market, the insurance assessor is divorced from the insurance parties. When there is an insurance assessment demand, he can accept the entrustment of both the insurer and the insured. In the process of claim settlement, it not only provides technical services for the insurance parties, but also alleviates the contradictions between the parties. The work of the insurance adjuster or the conclusion of the insurance adjuster is easily accepted by both parties, especially the insured.

Three. function

The main function of the insurance assessor is to inspect, identify and adjust the subject matter of insurance according to the entrustment requirements of the client and issue an insurance assessment report. Its status is detached and does not represent the interests of any party, which makes insurance claims tend to be fair and reasonable and is conducive to mediating the contradictions between insurance parties about insurance claims.

The main function of the insurance assessor is to inspect, appraise, estimate and adjust the subject matter insured according to the entrustment of the insurer, the applicant or the insured. Insurance assessors are independent of the insurance parties, and make fairly reasonable insurance assessment reports with their professional level, which has certain authority and is especially conducive to mediating the contradictions between insurance parties about insurance claims.

Four, the meaning of insurance adjuster and insurance adjuster

To be exact, insurance assessment is an act entrusted by the parties to an insurance contract unilaterally, both parties and other entrusting parties, requiring them to collect reasonable fees, handle the survey, appraisal, inspection, valuation and claim settlement of the subject matter insured, and negotiate to issue an assessment report. Companies or other economic organizations engaged in insurance assessment, that is, insurance assessors, also known as insurance assessment banks or insurance assessment companies, are economic entities that are independent of the government, administrative departments and various links and departments in the economic field and face social services. An insurance adjuster has the following attributes:

1. The insurance adjuster is an intermediary service agency.

An insurance adjuster is neither an insurer nor an applicant, but an intermediary service institution connecting the insurer and the applicant. It is an economic entity that is independent of other departments and serves the society. Insurance assessors, insurance agents and insurance brokers constitute a complete insurance intermediary market.

2. The insurance adjuster runs through the insurance business.

Insurance assessors are not only engaged in the insurance claims business familiar to the public, but also engaged in the evaluation, appraisal and estimation of the value and risk of the subject matter insured, as well as the inquest and loss calculation after the loss of the subject matter insured. Its business runs through the insurance business.

The service of insurance adjuster is paid.

As the insurance assessor is an economic organization, its existence and development need economic benefits, so its services to the parties to the insurance contract and other clients are not free, but reasonable fees are charged and paid services are implemented.

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