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Indiana residents desiring an independent adjuster license must:
The license fee for a resident is $40.00. There is an electronic processing fee.
The Federal Violent Crime Control and Law Enforcement Act of 1994 ( 18 U.S.C. 1033, 1034) contains a provision prohibiting any person who has been convicted of a felony involving dishonesty or breach of trust from participating in the business of insurance without receiving specific written consent from the appropriate state insurance regulatory official. In the case of insurance adjusters, written consent is obtained from the insurance regulatory official in producer's resident state.
The decision of whether or not to grant written consent is determined on a case-by case basis after a review of all relevant factors.
If a license applicant has a background history that may require written consent, the applicant should advise the Indiana Department of Insurance Agent Licensing Division. If the applicant is unsure if written consent is required, consult the Department's Agent Licensing Division. If necessary to evaluate the situation , the applicant will be directed to complete the 1033 forms.
Although sponsorship from an insurer is not a requirement, the application for written consent does require identification of a present or proposed employer , a scope of the employment and an affidavit from the employer outlining the job duties and responsibilities that will be performed and that it is the opinion of the employer that the performance of these responsibilities does not constitute a threat to the public.
The Examination Content Outlines were developed to identify and classify the entry level knowledge that insurance adjusters need to properly serve their clients.
Test questions were researched and developed based on questions submitted to industry professionals in Indiana for review and approval. This process assures that the tests reflect content that you, as an entry-level adjuster, will need to know to properly perform your duties for the insurance-buying public.
Forty (40) hours of pre-licensing education are required to provide an entry level knowledge about the products, services, duties and responsibilities of an independent adjuster when working with the public. In addition, candidates must understand and comply with the Indiana statutes and rules affecting insurance and adjusting of claims. The pre-licensing education requirement must be meet before applying for a license.
Either Indiana-approved class room or self-study courses may be used to fulfill the pre-licensing requirements.
A pre-licensing education Certificate of Completion will be issued by your pre-licensing school at the end of your course. The certificate is valid for six months. You must pass your exam and apply for your license during this six-month period.
You must have proof of the Pre-licensing completion prior to taking the exam. The pre-licensing and exam are offered together either live or online at (Link to AdjusterPro page).
An independent adjuster shall maintain a copy of each contract with an insurer or a self-insurer and comply with the record retention policy agreed to in the contract.
An independent adjuster shall do all of the following:
(1) Be honest and fair in all communications with an insured, an insurer, a self-insurer, and the public.
(2) Give policyholders and claimants prompt and knowledgeable service and courteous, fair, and objective treatment.
(3) Refrain from giving legal advice; or dealing directly with a policyholder or claimant who is represented by legal counsel unless the legal counsel consents to the direct contact.
(4) Comply with all local, state, and federal privacy and information security laws.
(5) Identify the independent adjuster's self as an independent adjuster; and if applicable, the independent adjuster's employer when dealing with a policyholder or claimant.
(6) Refrain from having any financial interest in an adjustment; or acquiring, for the independent adjuster or any person, an interest or a title in salvage without first receiving written authority from the principal.
(7) An independent adjuster shall report to the commissioner an administratve action taken against the independent adjuster in another jurisdiction, or by another governmental agency in Indiana not more than thirty (30) days after the final disposition of the matter. The report must include a copy of the order or consent order, and any other relevant documentation.
(8) An independent adjuster shall report to the commissioner any criminal action taken against the independent adjuster in another jurisdiction or by another governmental agency in Indiana not more than thirty (30) days after the final disposition of the criminal matter. The report must include a copy of the initial complaint filed, the final order issues by the court, and any other relevant documentation.
If a resident independent adjuster's license terminates for any reason, the resident independent adjuster shall, not more than thirty (30) days after the resident adjuster license termination date, provide notice of the termination to the insurance commissioner of any state that has issued a nonresident independent adjuster license to the resident independent adjuster. If the termination results from a change of the resident independent adjuster's home state, the notice must specify the independent adjuster's previous home state address and new home state address.