Editor's Note: This is the second article in a six-part series on adjuster ethics. Read Part 1: For adjuster ethics, the “I's” have it!
While none of them are dumb, the Central Intelligence Agency does not select their operatives solely on the basis of IQ. Lots of super-smart people have little common sense and would make terrible spies. The CIA isn't about “intelligence quotient,” it's about information. Intelligence is needed to obtain, evaluate and act upon information, but the key is accuracy. Bad intelligence gets people killed or insurers sued.
The same is true for claims adjusters. We may be super smart, an A+ graduate, or we may be an intellectual drop-out. It is how we gather the information about the claims we are assigned that determines if the settlement or denial will be ethical. Information needed for a claim can involve coverage, liability or damages. Each of these must first be investigated, then evaluated, and finally negotiated or resolved.
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