28 Questions
Which of the following is NOT a standard of conduct for claims adjusters according to the text?
An adjuster shall treat all claimants fairly.
What should an adjuster do when handling a claim, according to the text?
Make truthful and unbiased reports of the facts after completing a thorough investigation.
What is NOT allowed for an adjuster in relation to compensation, according to the text?
Solicit or accept any compensation from any contractor or subcontractor engaged by or on behalf of any insured.
What should an adjuster do if they witness a licensed insurance representative violating any provision of the Title or department rule?
Report it to the department
What should an adjuster do when dealing with elderly claimants?
Exercise appropriate care
When can an adjuster negotiate or settle directly with a third-party claimant represented by an attorney?
With the consent of the attorney
Can an adjuster interview a witness without the consent of opposing counsel or party?
Yes, but they should avoid suggesting the witness to suppress or deviate from the truth
Which of the following is NOT a standard of conduct for claims adjusters?
Soliciting employment for an attorney at law, contractor, or subcontractor
What should an adjuster do upon undertaking the handling of a claim?
Act with dispatch and due diligence in achieving a proper disposition of the claim
What should an adjuster do when completing a thorough investigation?
Make truthful and unbiased reports of the facts
What action should an adjuster take if a witness requests a copy of their signed or recorded statement?
The adjuster should provide a copy of the statement.
When can an adjuster advise a claimant to refrain from seeking legal advice or against the retention of counsel?
An adjuster should never advise a claimant to refrain from seeking legal advice or against the retention of counsel.
What action should an adjuster take if they are not currently competent and knowledgeable about the terms and conditions of the insurance coverage for a claim?
The adjuster should not undertake the adjustment of the claim.
What action should an adjuster take if they witness an unlicensed employee or representative conducting business that requires a license?
The adjuster should not permit the unlicensed employee or representative to conduct the business.
Which of the following is NOT considered a violation of the adjuster standards of conduct?
Advising a claimant to seek legal advice
When can an adjuster negotiate or effect settlement directly with a third-party claimant represented by an attorney?
When the attorney consents
What action should an adjuster take if they witness a licensed insurance representative violating any provision of the Title or department rule?
Report the conduct to the department
What is the consequence for an adjuster who violates the provisions in Subsection A of this Section?
Administrative action and potential penalties
Which of the following is NOT a standard of conduct for claims adjusters?
An adjuster shall make truthful and unbiased reports of the facts after completing a thorough investigation.
What should an adjuster do if they witness an unlicensed employee or representative conducting business that requires a license?
Report the incident to the insurer.
When can an adjuster negotiate or settle directly with a third-party claimant represented by an attorney?
When the adjuster has prior approval from their supervisor.
Match the following standards of conduct to the related descriptions for claims adjusters:
Standard 1 and 2 = No financial interest in the claim or salvage Standard 3 and 4 = No solicitation for employment or compensation from contractors or subcontractors Standard 5, 6, and 7 = Fair treatment and adherence to insurance contract Standard 8, 9, and 10 = No prejudice, truthful reports, and honesty in settlements
Match the following standards of conduct with their respective prohibitions for claims adjusters:
Standard 1 = Having a financial interest in any aspect of the claim Standard 2 = Acquiring any interest in salvage of property subject to the contract with the insurer Standard 4 = Accepting compensation, directly or indirectly, from any contractor or subcontractor Standard 6 = Providing favored treatment to any claimant
Match the following descriptions with their corresponding standards of conduct for claims adjusters:
Making truthful and unbiased reports = Standard 9 Handling every adjustment with honesty and integrity = Standard 10 Not providing favored treatment to any claimant = Standard 6 Not soliciting employment for any attorney at law, contractor, or subcontractor = Standard 3
Match the following adjuster conduct rules with their descriptions:
(12) = Reporting violation by any licensed insurance representative (14) = Negotiating or settling with third-party claimant represented by an attorney (17) = Avoiding misrepresentation or misleading statement about policy provisions and laws (20) = Not representing or acting as a public adjuster
Match the following adjuster obligations with their provisions:
(15) = Interviewing any witness without the consent of opposing counsel or party (18) = Not undertaking the adjustment of a claim without current competence and knowledge (19) = Not permitting an unlicensed employee to conduct business requiring a license (21) = Not misrepresenting the terms and coverage of an insurance contract to effect settlement of a claim
Match the following adjuster's responsibilities with their respective rule numbers:
Exercising appropriate care with elderly claimants = (13) Not advising a claimant to refrain from seeking legal advice = (16) Not undertaking a claim adjustment without current expertise = (18) Not allowing an unlicensed employee to conduct business needing a license = (19)
Match the rules with their corresponding conduct for an adjuster:
(16) = Not advising a claimant against seeking legal advice (13) = Exercising appropriate care when dealing with elderly claimants (21) = Not misrepresenting the terms and coverage of an insurance contract (15) = Interviewing any witness without the consent of opposing counsel or party
Test your knowledge of the standards of conduct for claims adjusters in Louisiana. This quiz covers the rules and regulations outlined in La R.S. 22:1674.1, including restrictions on financial interests and salvage property. Find out if you are up to date on the guidelines that govern the profession of claims adjusting in Louisiana.
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