Final answer:
A company may shift to using independent adjusters to be cost-effective by saving on full-time employee expenses, and to gain specialized expertise for more accurate and potentially cost-saving claim evaluations.
Step-by-step explanation:
Companies may choose to shift to using independent adjusters for a couple of reasons. One reason is cost effectiveness. Independent adjusters can be hired on a case-by-case basis, which allows the insurance company to save on the costs associated with full-time staff, such as salaries, benefits, and training. The second reason involves specialization. Independent adjusters often have specialized expertise in particular types of claims or industries, which can be beneficial when handling complex or unusual claims. This can lead to more accurate claim evaluations and potential savings for the insurance company.