loss adjuster; adjuster; average adjuster

简明释义

理算员,理算师

英英释义

例句

1.The insurance company sent an adjuster to evaluate the car accident claim.

保险公司派了一位理赔员来评估车祸索赔。

2.An average adjuster is responsible for calculating the average loss in marine insurance.

一位平均调整员负责计算海洋保险中的平均损失。

3.After the storm, we called a loss adjuster to assess the damage to our roof.

暴风雨过后，我们叫了一位损失调整员来评估我们屋顶的损坏。

4.We were relieved when the loss adjuster confirmed that our policy covered the damages.

当损失调整员确认我们的保单涵盖了损失时，我们松了一口气。

5.The adjuster found that the water damage was due to a burst pipe.

这位理赔员发现水损是由于管道破裂造成的。

作文

In the world of insurance, understanding the roles of various professionals is crucial for both policyholders and insurers. One such professional is a loss adjuster, who plays a vital role in assessing claims made by individuals or businesses after an unfortunate event, such as a fire, flood, or theft. A loss adjuster (损失调整员) is responsible for investigating the circumstances surrounding a claim, evaluating the damage, and determining the amount that should be paid out under the terms of the insurance policy. This process requires a keen eye for detail and a thorough understanding of both the insurance policy and the applicable laws. The role of an adjuster (调整员) extends beyond just loss adjustment. While loss adjusters typically deal with specific claims, adjusters can also refer to professionals who handle various types of insurance claims, including auto, health, and property claims. They review the evidence, interview witnesses, and collaborate with other experts to ensure that the claim is processed fairly and efficiently. The work of an adjuster is essential in maintaining the integrity of the insurance industry, as they help to prevent fraudulent claims and ensure that legitimate claims are paid in a timely manner.Another important term in this context is average adjuster (平均损失调整员). An average adjuster specializes in maritime insurance claims and is tasked with determining the average loss incurred during shipping. This role is particularly significant in cases where goods are lost or damaged at sea. The average adjuster evaluates the extent of the loss and calculates how much compensation should be provided based on the average value of the cargo and the terms of the insurance policy. The expertise of an average adjuster is crucial for ship owners and cargo interests, as it ensures that they receive fair compensation for their losses.The collaboration between loss adjusters, adjusters, and average adjusters is vital in the claims process. When a claim is filed, the insurer may assign a loss adjuster to investigate the specifics of the case. If the claim involves marine insurance, an average adjuster may also be brought in to assess the situation. The findings of these professionals guide the insurer in making informed decisions regarding the payout. Their assessments not only protect the interests of the insurers but also ensure that the policyholders receive the compensation they deserve.In conclusion, the roles of loss adjusters, adjusters, and average adjusters are integral to the functioning of the insurance industry. Understanding their responsibilities helps policyholders navigate the often-complex claims process. By working together, these professionals ensure that claims are handled fairly and efficiently, ultimately contributing to the overall trustworthiness of the insurance system. As we continue to encounter various risks in our lives, the importance of these roles will only grow, making it essential for everyone to understand their significance in the realm of insurance.

在保险界，理解各类专业人士的角色对于保单持有者和保险公司都至关重要。其中一个重要的专业人士是损失调整员，他们在评估个人或企业在火灾、洪水或盗窃等不幸事件后提出的索赔中扮演着重要角色。损失调整员负责调查索赔的情况，评估损失，并根据保险政策的条款确定应支付的金额。这个过程需要对细节有敏锐的洞察力，并且深入了解保险政策和适用法律。而调整员的角色不仅限于损失调整。虽然损失调整员通常处理具体的索赔，但调整员也可以指处理各种类型保险索赔的专业人士，包括汽车、健康和财产索赔。他们审核证据，采访证人，并与其他专家合作，以确保索赔得到公平和高效的处理。调整员的工作对于维护保险行业的诚信至关重要，因为他们帮助防止欺诈性索赔，并确保合法索赔及时支付。另一个重要的术语是平均损失调整员，专门处理海上保险索赔，负责确定在运输过程中产生的平均损失。这个角色在货物在海上丢失或受损的情况下尤为重要。平均损失调整员评估损失的程度，并根据货物的平均价值和保险政策的条款计算应提供的赔偿。平均损失调整员的专业知识对于船东和货物利益相关者至关重要，因为它确保他们获得合理的赔偿。损失调整员、调整员和平均损失调整员之间的合作在索赔过程中至关重要。当索赔被提出时，保险公司可能会指派一名损失调整员来调查案件的具体情况。如果索赔涉及海洋保险，可能还会引入一名平均损失调整员来评估情况。这些专业人士的调查结果指导保险公司做出明智的支付决定。他们的评估不仅保护了保险公司的利益，还确保保单持有者获得应得的赔偿。总之，损失调整员、调整员和平均损失调整员的角色对保险行业的运作至关重要。理解他们的职责帮助保单持有者驾驭复杂的索赔过程。通过共同努力，这些专业人士确保索赔得到公平和高效的处理，最终促进了保险系统的整体可信度。随着我们继续面临生活中的各种风险，这些角色的重要性只会增加，因此每个人都必须理解他们在保险领域的重要性。