Loss adjuster report

A loss adjuster report is the written assessment an insurer’s appointed adjuster prepares after investigating a road accident, covering how the crash happened, the vehicle damage and the likely value of the claim. It typically records statements, photographs and repair estimates gathered during the investigation.

Insurers in Malaysia usually wait for this report before making any settlement offer, so its findings on fault and value often shape what you are first offered. You can read how loss adjusters work to see the full process from appointment to report.

The report is written for the insurer, not for you, so treat it as one input into the claim. If you disagree with a finding, your own medical and repair evidence still counts.

When a report undervalues your claim, an independent lawyer can respond to it with your evidence.