Which of the following actions are viable for an adjuster if a claim is disputed?

Conducting a full investigation and determining liability is a critical step for an adjuster when handling a disputed claim. This action ensures that all relevant facts and evidence are considered, which helps in accurately assessing the claim's validity. An adjuster must gather information such as police reports, witness statements, and any other pertinent documentation to establish who is at fault in the incident and to what extent damages occurred.

This thorough approach not only aids in resolving the dispute fairly but also plays a vital role in upholding the integrity of the insurance process. By determining liability, the adjuster can make informed decisions that reflect the actual circumstances of the claim. This is particularly important in disputed claims where hasty decisions can lead to further complications, dissatisfaction from policyholders, or even legal repercussions.

In contrast, refusing to pay under any circumstances overlooks the necessity to evaluate each claim on its own merits. Automatically denying claims over a certain amount disregards the specific details of each case, potentially leading to unjust outcomes. Accepting the claim without further investigation would neglect the duty to ensure accurate and fair claim resolution, which could erode trust in the claims-handling process. Therefore, a full investigation that leads to an informed determination of liability is the most appropriate and responsible action for