What defines an adjuster in the context of workers' compensation?

An adjuster in the context of workers' compensation is primarily defined by their role in assessing claims and determining the appropriate compensation for injured workers. They function as representatives for the insurance company, acting on behalf of the insurer to investigate the claim, evaluate the circumstances surrounding the workplace injury, and negotiate settlements.

This role is crucial because the adjuster must gather facts, consult medical reports, and often liaise with various parties involved, including employers and healthcare providers. Their primary obligation is to the insurance company rather than to the injured party, which emphasizes the importance of their representation of the insurer's interests.

The other options describe roles or activities that do not accurately reflect the primary duties of an adjuster in workers' compensation. Working independently for injured employees focuses more on advocacy for the worker rather than the insurance company’s perspective, providing medical assessments pertains to healthcare professionals rather than adjusters, and representing the state regulatory body relates to compliance and oversight, roles that adjusters do not typically fulfill.