New York Independent General Adjuster Practice Exam

An adjuster has an obligation to protect the privacy of all parties involved in a claim, except when explicitly directed otherwise. This responsibility is fundamental in the insurance industry, where confidentiality is key to maintaining trust and ensuring compliance with laws and regulations regarding personal and sensitive information.

Adjusters handle a variety of confidential information, including personal details of clients, financial information, and specifics of the claims themselves. Safeguarding this information helps prevent unauthorized access or misuse, which could harm the parties involved. Ensuring that only necessary and authorized disclosures are made reflects the ethical standards required in the profession.

The other choices fail to recognize the importance of confidentiality. Sharing information with the public undermines privacy and could lead to legal ramifications. Documenting information in public records can also compromise sensitive data, and allowing all claimants unrestricted access to verification could breach the confidentiality of other involved parties. Therefore, the requirement for adjusters is clearly centered around protecting privacy while adhering to any directives that may legally require disclosure.

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