What is the term used for an individual chosen by an insured to legally represent them in negotiations with the insurer?

The term "designated representative" refers to the individual authorized by the insured to act on their behalf during negotiations with the insurance company. This representation can involve discussing claims, providing necessary documentation, and facilitating communication between the insured and the insurer.

This designation allows the insured to have someone else handle negotiations for them, which can be particularly beneficial when they may not be familiar with the complexities of insurance policies or claims processes. The designated representative is essentially a trusted individual who carries the authority to speak and act in the best interests of the insured during interactions with the insurer.

In contrast, other roles, such as a claim adjuster, legal counsel, or insurance agent, serve different functions. A claim adjuster evaluates claims for the insurer, legal counsel provides legal advice, and an insurance agent sells insurance policies and may help customers understand their coverage rather than representing them in negotiations. Thus, the role of a designated representative is distinct and specifically defined for negotiation purposes.