What is prohibited for an adjuster when a claimant is represented by an attorney?

When a claimant is represented by an attorney, the adjuster is prohibited from contacting the claimant directly without the attorney's consent. This guideline is in place to protect the rights of the claimant and ensure they receive proper representation in their dealings with insurance claims. The presence of an attorney indicates that the claimant has sought legal advice, and any communication should be funneled through that legal representative to avoid potential conflicts or misunderstandings.

Contacting the claimant without consent could undermine the attorney-client relationship and violate ethical standards of legal representation. This rule is rooted in the broader principle of respecting the established boundaries of representation and ensuring that claimants do not inadvertently jeopardize their cases by discussing details directly with an adjuster. The prohibition emphasizes the importance of clear and respectful communication channels in claims processing.

In light of this, communicating directly with the claimant, negotiating without the attorney, or settling a claim without the attorney's involvement could also be problematic, but the core and most specific prohibition is the need for the adjuster to obtain consent before any direct contact with a represented claimant.