What aspect of an incident should an adjuster review when gathering information?

When gathering information about an incident, an adjuster should focus on witness accounts and prior claims history because these elements provide critical insights into the circumstances surrounding the claim. Witness accounts offer objective perspectives on the incident, which can help clarify the facts and support or refute claims made by the involved parties. This information is valuable in assessing the legitimacy of the claim and determining fault.

Additionally, reviewing prior claims history can reveal patterns or potential fraud indicators. A claimant with a history of frequent claims may raise a red flag for the adjuster, prompting a more thorough investigation into the current incident. Analyzing both witness accounts and claims history allows the adjuster to build a more comprehensive understanding of the case and make informed decisions regarding liability and settlements.

In contrast, focusing on personal history or the claimant's previous job experience may not directly relate to the specifics of the incident or its impact on the claim. Similarly, assessing the insurance agency's financial status is irrelevant to evaluating the details of the incident itself and does not aid in deciding the claim outcomes.