Insurance Expert Witnesses

Insurance expert witnesses may advise on issues involving insurance claims, insurance adjusters, property insurance, and related issues. Adjusters, appraisers, examiners, and insurance investigation experts may have experience working for property and casualty insurance companies, for whom they handle a wide variety of claims alleging property damage, liability, or bodily injury.

Their role is to investigate the claims, negotiate settlements, and authorize payments to claimants, all the while mindful not to violate the claimant’s rights under Federal and State privacy laws. They must determine whether the customer’s insurance policy covers the loss and how much of the loss should be paid to the claimant. Although many adjusters, appraisers, examiners, and investigators have overlapping functions and may even perform the same job, the insurance industry generally assigns specific roles to each of these claims workers.

Adjusters and examiners investigate insurance claims, negotiate settlements, and authorize payments; appraisers assess the cost or value of an insured item; investigators deal with claims about which there is a question of liability and where fraud or criminal activity is suspected.

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