An employee (usually a non-lawyer) of an insurance company or an adjustment firm employed by an insurance company to negotiate an early settlement of a claim for damages against a person, a business or public body (like a city). while a fair and responsible adjuster can serve a real purpose in getting information and evaluating the case for the insurance company, some adjusters try to make a settlement before the injured person has retained an attorney (“don’t worry, we’ll pay your bills. you don’t need an attorney. he’ll only confuse things.”), get a statement from the injured without counsel, or delay the payout with the promise he/she will negotiate any reasonable demand, and then making an offer of payment that is absurdly low. some insurance companies try to make the attorney deal with the adjuster, which is cheaper than sending the case to defense attorneys. adjusters also represent the company in approving settlements.