Adjustor vs. Adjuster — What's the Difference?
By Fiza Rafique & Urooj Arif — Updated on March 6, 2024
Both terms refer to a person who assesses and settles insurance claims, but "adjuster" is more commonly used.
Difference Between Adjustor and Adjuster
Table of Contents
ADVERTISEMENT
Key Differences
"Adjustor" and "adjuster" are terms used interchangeably to describe a professional who investigates, assesses, and settles insurance claims. The primary difference between the two lies in their spelling and regional usage preferences. "Adjuster" is the more commonly used term, especially in the United States and in the context of insurance and other professional fields.
Both adjustors and adjusters play a critical role in the insurance industry, working to determine the extent of the insurance company's liability in various claims. This involves evaluating the damage, interpreting the insurance policy, and negotiating settlements. While "adjuster" is favored in most professional and legal documents, "adjustor" can still be found in certain contexts or regions, but there is no difference in the roles or responsibilities associated with each term.
The education and training requirements for becoming an adjustor or an adjuster are the same, as the terms are considered synonymous in the industry. Both positions require knowledge of insurance law, negotiation skills, and the ability to interpret complex documents. Professionals in this field may handle claims related to property damage, personal injury, or other types of losses covered by insurance policies.
In terms of usage, "adjuster" is more widely recognized and preferred in industry terminology, appearing more frequently in job postings, educational materials, and industry literature. The choice between "adjustor" and "adjuster" often comes down to personal or regional preference, without implying any difference in function or expertise.
Despite the preference for "adjuster," it's important to note that the use of "adjustor" is not incorrect. Both spellings are accepted and understood within the industry. The key focus for professionals in this role is their ability to fairly and accurately assess claims, regardless of how their job title is spelled.
ADVERTISEMENT
Comparison Chart
Definition
A professional who assesses insurance claims.
A professional who assesses insurance claims.
Spelling Variation
Less common spelling.
More commonly used spelling.
Regional Preference
May appear in certain regions or contexts.
Widely used, especially in the United States.
Industry Usage
Used interchangeably with "adjuster."
Preferred term in professional contexts.
Role and Responsibilities
Same as adjuster.
Same as adjustor.
Compare with Definitions
Adjustor
A person who assesses and settles claims with an insurance company.
The adjustor visited the house to evaluate the storm damage.
Adjuster
A professional skilled in evaluating and settling insurance claims.
The adjuster assessed the water damage to the home.
Adjustor
May specialize in a specific type of insurance claim.
She's an experienced adjustor in automobile accidents.
Adjuster
Interprets policy details to ascertain coverage.
The adjuster clarified which damages were covered under the policy.
Adjustor
Works to determine the insurance company's liability.
An adjustor reviewed the policy to determine coverage.
Adjuster
Trained in negotiation and insurance regulations.
The adjuster worked to reach an agreement with the policyholder.
Adjustor
Requires understanding of insurance law and policies.
The adjustor explained the legal basis for the settlement offer.
Adjuster
Handles various types of claims, such as property or injury.
As a medical claims adjuster, he evaluates healthcare costs.
Adjustor
Engages in negotiations with claimants.
The adjustor negotiated a fair settlement for the damaged property.
Adjuster
Acts as a liaison between the insurance company and the claimant.
The adjuster provided updates to both parties during the claim process.
Adjustor
One who investigates insurance claims or claims for damages and recommends an effective settlement
Adjuster
An insurance agent who examines claims against personal or property damage insurance policies and makes estimates and recommendations regarding the amount which should be paid to the policyholder.
Adjustor
To decide how much is to be paid on (an insurance claim).
Adjuster
One who investigates insurance claims or claims for damages and recommends an effective settlement
Common Curiosities
How do adjustors and adjusters handle disputes over claims?
They review the claim details, policy, and evidence to make an informed decision, and may engage in negotiations to settle disputes.
Can both adjustors and adjusters work in any field of insurance?
Yes, professionals in this role can specialize in various fields of insurance, including property, casualty, health, and others.
Is there any difference in qualification between an adjustor and an adjuster?
No, there is no difference in qualification; the terms refer to the same profession and role.
Do adjustors and adjusters need to be licensed?
Yes, in many regions, professionals in this field must be licensed, with requirements varying by location and type of insurance.
Are the training programs different for becoming an adjustor vs. an adjuster?
No, the training and education for this profession are the same, as the terms are synonymous.
Can an adjustor or adjuster reject a claim?
Yes, they can reject claims if the investigation shows that the claim does not meet the policy terms or is invalid.
What challenges do adjustors and adjusters face in their job?
Challenges include dealing with complex claims, managing expectations of all parties involved, and staying updated with legal and industry changes.
Why is "adjuster" more commonly used than "adjustor"?
"Adjuster" has become the preferred spelling in professional and legal contexts, especially in the United States, though the reason for this preference is largely historical and conventional.
Can adjustors and adjusters make decisions on claims independently?
Yes, they have the authority to make decisions on claims within the scope of their role, following the guidelines and policies of their employer.
How do adjustors and adjusters stay updated with insurance laws?
They may participate in ongoing education, training programs, and industry seminars to stay informed about changes in insurance laws and practices.
What tools do adjustors and adjusters use in their work?
They use a variety of tools, including claim management software, valuation tools, and databases for researching claims and policies.
Is there a difference in pay between adjustors and adjusters?
No, there is no difference in pay based on the spelling of the job title. Compensation depends on experience, specialization, and location.
Is it common for adjustors to work independently or for an insurance company?
Adjustors and adjusters can work as independent contractors or be employed directly by insurance companies, depending on their preference and opportunities.
How important are negotiation skills for an adjustor or adjuster?
Negotiation skills are crucial for resolving claims satisfactorily for both the claimant and the insurance company.
Can adjustors and adjusters specialize in more than one type of insurance?
Yes, while many specialize in a particular area, it is possible to have expertise in multiple types of insurance.
Share Your Discovery
Previous Comparison
Ethnicity vs. Culture
Next Comparison
Buzzard vs. VultureAuthor Spotlight
Written by
Fiza RafiqueFiza Rafique is a skilled content writer at AskDifference.com, where she meticulously refines and enhances written pieces. Drawing from her vast editorial expertise, Fiza ensures clarity, accuracy, and precision in every article. Passionate about language, she continually seeks to elevate the quality of content for readers worldwide.
Co-written by
Urooj ArifUrooj is a skilled content writer at Ask Difference, known for her exceptional ability to simplify complex topics into engaging and informative content. With a passion for research and a flair for clear, concise writing, she consistently delivers articles that resonate with our diverse audience.
