Florida Insurance Licensing Practice Exam

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All of the following activities are illegal for an adjuster, EXCEPT:

  1. Give advice which is of a legal nature

  2. Use only company forms to prepare releases

  3. Encourage a claimant to make a quick decision on an offer to settle

  4. Fail to make claimant aware of potential litigation for claimant's actions

The correct answer is: Use only company forms to prepare releases

Company forms are often not sufficient in covering the complexities of individual cases, and adjusters may need to utilize additional outside resources and advice in order to provide the best guidance for their clients. Choices A, C, and D all demonstrate activities that adjusters should avoid in order to maintain ethical and legal conduct. Choice B is not necessarily illegal, but it is not the most effective or comprehensive way to handle a client's case.

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