An insurance adjuster is a specialist or organisation that investigates an insured event after it happens, assesses the causes and amount of damage, and prepares a report to help settle the claim.
After a collision or another loss, seeing the damage is only the start. Someone needs to establish what happened, check the policy and assess the loss. This is the adjuster's work. After a road accident, for example, an adjuster may inspect the car, examine documents and put the findings into a report.
Under Uzbekistan's law, an adjuster is a professional specialist or organisation working under a contract with a client. That client may be an insurer, a policyholder or another party. An adjuster is therefore not necessarily an insurance company employee or the policyholder's representative.
Put simply:
An adjuster gathers facts after an insurance event. They inspect damaged property, examine evidence of the cause and repair costs, assess the loss and calculate the compensation to be considered under the contract. The report helps settle a claim or dispute. The insurer makes the final decision on the insurance payout based on the policy and the evidence submitted.
A mark on a car body or a wall can have different causes. Some damage may predate the event, and some costs may be unrelated to it. The adjuster separates observed facts from assumptions and explains the calculation. This lets the parties check which damage and expenses were included.
Adjusters handle losses involving vehicles, buildings, equipment, cargo and other insured property. In motor insurance, they may examine how a collision happened and what repairs will cost. After a warehouse fire, they may record damage, review evidence of the cause and assess restoration costs. For damaged cargo, they compare the goods' condition with the transport documents and the policy.
An accident commissioner is a narrower industry term for a specialist who often records the scene and circumstances of an accident, particularly in motor insurance. The work can overlap with adjusting, but the two titles are not legal synonyms.
A surveyor examines the property and insurance risk before an insurance or reinsurance contract is signed. An adjuster works after the event and investigates a loss that has already occurred.
An inspection does not automatically mean a payout will follow. The adjuster records and assesses the damage; the insurer checks coverage under the contract. Another mistake is calling every visiting specialist an adjuster. An accident commissioner, surveyor or customer assistance service may have different duties. Before repairing or disposing of damaged property, check the policy requirements: the assessment may depend on inspecting the property in its condition after the event.
Report what happened using the method stated in your policy and follow its evidence requirements. Keep relevant photos, certificates, contracts, receipts and ownership documents. Give the specialist access to the property and ask which materials will be included in the report. For a car accident, see the separate guide on what to do after an accident with OSAGO compulsory motor liability insurance.
Damage means substantiated losses or the cost of damage to property.
Insurance compensation is a payment by the insurer for damage covered by the contract.
Adjuster's report is a document setting out the circumstances, assessment and findings. It supports a decision but does not replace the insurance contract.
Independent insurance examination is a separate review through which an adjuster's report may be reconsidered.
Car and home owners, and businesses with property or cargo, may encounter an adjuster when making a claim. Understanding the role helps you ask clear questions: who hired the adjuster, what is being assessed, which documents support the findings, and how can the calculation be checked?
All situations and amounts below are illustrative and do not describe actual EUROASIA payouts.
After a warehouse fire, an adjuster inspects the building and goods, reviews evidence of the cause and damage costs, and checks it against the policy. The report distinguishes substantiated damage from expenses unrelated to the event or insured property. The insurer considers this information alongside the contract and other evidence. The report matters, but by itself it guarantees neither payment nor refusal.
Nodira from Tashkent was involved in a collision. Damage to her car was assessed at 18 000 000 sum.
The adjuster inspected the car and reviewed the incident evidence and repair estimate. The damage arose from a covered event, so the insurer approved coverage within the policy terms.
Aziz from Samarkand claimed 27 000 000 sum for car repairs, but 6 000 000 sum related to scratches that existed before the accident.
The adjuster separated the new damage from the old and documented a loss of 21 000 000 sum from the current event. The insurer considered only this part and applied the remaining contract terms.
Bekzod from Andijan reported 40 000 000 sum of fire damage to equipment in his shop, but the equipment was not listed among the insured property.
The adjuster recorded the damage and its cost, but the report could not change the scope of the contract. The insurer did not cover this loss because the property was not included in the policy.
This is a road incident in which harm was caused to people, vehicles, roads, structures, or other property.
This is a simplified procedure for recording a traffic accident without calling traffic police, when the drivers themselves document the circumstances for insurance settlement.
KASKO is insurance that protects not someone else’s car, but your own. Put very simply, it is like a financial safety cushion for your vehicle: if there is an accident, a broken window, parking damage, a fallen tree, or even theft, the insurance company can take on part of the big expenses. The main idea is simple: KASKO helps you avoid facing major car-related costs alone.
Motor Third-Party Liability is an obligation to compensate for harm caused to other people or their property through the use of a vehicle. Who is responsible for the harm is determined by law and the circumstances of the incident.
Insurance for a car loan is protection connected not just with the car itself, but with buying that car on credit. Put very simply, the bank gives money for the vehicle and wants to be sure that both the car and the repayment process remain protected. That is why insurance often comes together with a car loan: it helps reduce risks both for the bank and for the borrower if something serious happens to the car.
This is a modular car insurance product in which the vehicle owner chooses which parts of the car and which risks to insure.
Our experts will help you choose the best insurance coverage
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