What is an example of an unfair or deceptive act by an adjuster?

An unfair or deceptive act by an adjuster includes requesting a claimant to sign a release that extends beyond the subject matter of the claim. This practice is considered inappropriate because it can limit the claimant's rights to seek further compensation for issues that may arise in the future or that are unrelated to the claim at hand. By attempting to secure a broader release than what is necessary, the adjuster may unduly influence the claimant's ability to address other related or unforeseen claims, which violates ethical standards and could lead to an imbalance in the relationship between the claimant and the insurance company.

In contrast, advising the claimant about their rights is an appropriate practice, as it ensures that the claimant is informed and aware of their entitlements. Issuing a check in full payment of the claim reflects responsible conduct by the adjuster, fulfilling the terms of the policy and providing the claimant with the compensation owed. Clearly explaining the claims process to the claimant fosters transparency and understanding, which is beneficial to all parties involved. Hence, these actions align with the ethical obligations of adjusters, while the request for an expansive release does not.