What might an insurance adjuster review when investigating a claim?

When an insurance adjuster investigates a claim, they typically focus on gathering relevant information to assess the validity and extent of the claim. In this context, reviewing medical records and police reports is essential, particularly in cases related to personal injury or property damage. Medical records provide insights into the injured party's condition and treatment following an incident, while police reports offer an official account of events, which can help establish the facts surrounding the claim.

This approach ensures that the adjuster has the necessary data to make an informed decision regarding liability, the costs associated with the claim, and any potential payouts. These documents play a critical role in validating the claim and determining what compensation, if any, is appropriate under the terms of the policy.

Other options do not align with the typical materials reviewed by adjusters. For instance, an individual's credit history is generally not relevant to most claims investigations, personal emails may breach privacy without just cause, and marketing materials from an insurance company do not provide any factual basis for evaluating a claim. Thus, focusing on medical records and police reports is standard practice for an adjuster when investigating a claim.