Final answer:
Staff claims representatives are salaried employees who work for one insurer and handle the investigation and adjustment of claims. Considering as option number a,b,c and d, option number b is correct.
Step-by-step explanation:
Claims representatives who are typically salaried employees and represent only one insurer are called staff claims representatives. These professionals are employed directly by the insurance company they represent, in contrast to public adjusters or independent adjustors who operate independently and may work for multiple insurers or insured individuals. Insurance agents, on the other hand, are usually concerned with the sale and servicing of insurance policies, rather than adjusting claims.
A staff claims representative plays a crucial role in the insurance industry by handling the process of investigating claims, assessing damages, and determining the payout to the policyholder.