What role does the adjuster play in the subrogation process?

The role of the adjuster in the subrogation process is crucial as they assist in the recovery of damages from the party at fault. When an insurance company pays a claim to its policyholder, it has the right to seek reimbursement from the responsible third party. The adjuster gathers evidence, evaluates the claim, and negotiates with the other party’s insurance to recover the costs incurred by their own company. This involves assessing liability and determining how much can be recovered, making the adjuster's expertise essential in pursuing subrogation successfully.

While other roles such as approving claim payments, overseeing the claims process, or determining market values are important in an adjuster's overall responsibilities, they do not specifically pertain to the subrogation process. The adjuster’s focused task in this context is proactive engagement to ensure the insurance company recoups its losses from the responsible party, making option B the accurate choice.