What to know about insurance adjusters? An insurance adjuster is an employee of an insurance company whose job is to review the details of the car accident and determine the insurance company’s liability. In order to do this the adjustor will review the insurance claim by conducting interviews with the claimant and any possible witness to the accident.How do insurance adjusters determine car value? When a vehicle claim is filed, the car insurance companies typically send an adjuster out to the vehicle to determine if it can be repairable or if it is a total loss. When a claim is filed and a claims adjuster inspects the vehicle, the damages may exceed a threshold determined for the vehicle.Who are insurance adjusters? A public adjuster is an insurance claims adjuster who is an advocate for and paid by the policyholder in appraising and negotiating an insurance claim.