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When an insurance adjuster receives an offer of settlement for a liability claim, the primary responsibility is to promptly communicate that offer to the insured. Notifying the insured within 10 days is critical because it allows the policyholder to be informed about potential resolutions to their claim, gives them the opportunity to decide on how they want to proceed, and ensures that the adjuster is acting in the best interest of the insured. This communication is an essential step in the claims process, facilitating transparency and maintaining trust between the insurer and the insured.

Engagement in further negotiations or filing reports with authorities does not take precedence in the immediate aftermath of receiving a settlement offer. Instead, these actions would typically occur later in the claims process, depending on the insured's response or the complexity of the claim. Similarly, while requesting additional documentation might be necessary in some circumstances, it is not the first action required once an offer has been presented. The immediate focus should always be on ensuring that the insured is aware of and understands the settlement offer available to them.