For an insurance company and its representatives to be ethical, they must believe in and practice integrity and the principle of indemnification.
That's what insurance is about: restoring to wholeness the first- or third-party person(s) who have suffered loss that is covered within the policy contract, or owed under the law.
Doing that requires both initiative and imagination. When faced with a new and difficult kind of claim, a good adjuster will be excited to solve it and prepared to delve into the facts of the loss.
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