Home > Insurance Settlements and Claims Insurance providers utilize people titled examiners and adjusters who serve to analyze insurance claims, to negotiate settlements, and to authorize the associated payments. In addition, people titled investigators serve to determine the liability for claims in which the liability is unclear, or claims that might involve fraud or criminal activity. When a policy holder suffers a loss, they must immediately contact their insurance provider to report the damages, as well as submit a claim for payment in order to receive monetary compensation. Claims of property damage, bodily injury, and liability are all processed by the investigators, examiners, and adjusters who work for the insurance carriers. These claims workers must uphold practices that comply with policy holder's rights which can be found in State and Federal laws.