How do insurance companys(adjuster) determine liability?

Question

How does an adjuster determine liability? Do they often challegne it or not? How long do it take them to determine it? What is the process? The situation is my landlord was negligence and left a 5 inch pipe sticking out of the ground and i tripped over it. I have been cooperating with the adjuster and given all my records and bills.

Answer 1

Are you talking about the landlord's insurance co. adjuster?  You cannot directly submit a "claim" directly to his insurer.  Only he can do that.    Have you submitted a claim for damages to the landlord or sued him?