Editor's Note: This is the fifth article in a six-part series on adjuster ethics.

Does the sameness of claim after claim permit standardized claim adjustment procedures? One rear-end collision without injuries is pretty much the same as any other rear-end collision without injuries.

What if it's a chain reaction collision? Who hit who first? What if the car in front had cut in front of the insured, then suddenly stopped? What if the collision was road rage, or one of the cars was "driverless"?

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