Are There Rules That Govern Insurance Claims Adjuster Conduct, Behavior and Decisions ?
Some states have chosen to adopt a detailed set of "ethical rules" that govern the conduct of claims handlers. [e.g. Florida; https://www.flrules.org/gateway/RuleNo.asp?id=69B-220.201].
Maryland has chosen not to enact a specific code of conduct that governs the activities of claim adjusters.
An ethical rule in effect in another jurisdiction provides that "[a]n adjuster shall not undertake the adjustment of any claim concerning which the adjuster is not currently competent and knowledgeable as to the terms and conditions of the insurance coverage, or which otherwise exceeds the adjuster’s current expertise." F.A.C. 69B-220.201.
It's a fair request that Baltimore automobile accident victims may wish to inquire as to the claims adjusters' medical and vocational expertise, training and experience prior to settling their Baltimore personal injury claim. It seems logical the if an adjuster is going to question, and refuse to account for, medical bills, that adjuster should have have familiarity with medical practice and billing.
-This Article was updated by Eric Kirk on 9/20/19.
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