Section 1: Lesson 4.2 Continuing Education Profession Competency & Ethical Adjusting Flashcards
In Texas, who is required to obtain continuing education credits in order to maintain their license?
All adjusters
Susie got her Texas license two years ago. She tried to attend all of the CE programs scheduled by her employer, but often couldn’t attend because of schedule conflicts. At the end of her 2 year license period, she only had 15 credits. After receiving a notice of non-compliance from the Department of Insurance, she got upset with her employer and insisted that they take care of it. What does Susie not understand about her CE requirement?
It is and adjuster’s personal, non-delegable responsibility to follow the licensing and CE rules of jurisdictions in which he/she is licensed.
To maintain continued licensure, a Texas adjuster must secure how many continuing education credits in every two year period?
24
James has forgotten how may hrs of continuing education he needs to fulfill in order to maintain his adjusters license, but knows there is some requirement for Ethics. What is it?
A min of 2hrs in every two yr period but be in subjects of Ethics or Consumer Protection
Which of the following would qualify as a CE Course in Ethics/Consumer Protection?
A course that deals with adjuster’s moral and ethics obligations to an insured policyholder, how to adjust claims fairly and with empathy, and how to avoid various conflicts of interest.
In her firs 2 yrs as a licensed resident Texas adjuster, George had secured 28 hrs of CE, including 4 in Ethics/Consumer protection. His license was promptly renewed. He then got busy handling property claims after several tropical storms hit Florida and Texas and seared 20 CE credits, with no Ethics. He wasn’t worried because of the CE had obtained in the first license period. Will George be okay for his 2nd period?
Excess hrs in any reporting period do not carry over at all. George will fail t satisfy his CE requirement and could lose his license.
Mary was promoted a supervisor’s position and took over a new unit. Between turnover and special projects, Mary was unable to satisfy her cE requirement. What can she do when she receives notice from the Department that her license till be terminated?
None of the above excuses or reasons are satisfactory for failure to satisfy the CE requirement. Mary could lose her license.
James adjuster license will come up for rental in six months. For this period he has secured 18 hrs of CE, none of which are of the Ethics variety. How many additional hrs of continuing education does James need to accrue to ensure renewal of his license?
6 hrs of CE, two of which are of the Ethics/Consumer Protection variety
Which of the following reasons would not be an appropriate reason for a suspension of Texas CE requirements?
the licensee has just been promoted and will be transferred to an office outside of Texas. He will not be handling Texas claims and wants to suspend his CE requirement.
Michael carries a non resident Texas license and a resident Mississippi license. He is exempt from the Texas CE rule as long as:
He is compliance with Mississippi CE requirements and his license remains in good standing with the state of Mississippi.
In a recent performance evaluation by his manger, harry who has been adjusting claims for 2 yrs and has served on catastrophe teams for several hurricanes , tornadoes and hailstorms, received a “Needs Improvement “ in the area of Claim Competency. He was furious and wrote a response to his boss that he took offense at being called “incompetent”. What is the reality that Harry just does not understand?
Lack of competence is a stage in one’s professional development, It means there is still a lot to learn in other areas of the claims business.
A retailing via across jurisdiction, and from within the ranks of experienced claims professionals, is that adjustors should do which of the following?
Adjusters should use their position, knowledge and skills for the benefit of the customer, or to help the intended beneficiary of the insurance obligation.
Howard has been working as an adjuster for is months adjusting residential property claims. He recently applied for a position adjusting Longshore and Jones Act claims in the Texas oil field, but was turned down for this position. This is most likely due to:
His lack of experience regarding Longshore and Jones Act claims and other claims in the Texas oil field and his need to again adequate experience in this area of adjusting.
Jason was recently assigned a Commercial property loss. After contacting this insured and investigating the loss, he found that it will include loss of revenues and a claim under the Business Income endorsement on the policy. He has never handled a claim like this. What should he do?
Go to his supervisor and ask for help and guidance
Sandy is an adjuster who has been handling claims for over 25 yrs and she has handled claims in nearly every line of business. As a seasoned claims professional, which of the following is most likely true of Sandy?
She knows that there is always more to learn and she continues to acquire new skills and knowledge.
