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An adjuster's primary responsibility upon receiving an assignment is to find out who is insured.

I’ve told this story before because it illustrates one of the most hazardous adjuster mistakes: undisclosed principalship.

I was assigned a claim from an out-of-state insurer to handle an accident for one of their insureds, whom I will call Mrs. Detroit. My assignment sheet said the name of the insurance company was MEEMIC. I was new and had never heard of the “Meemic,” so I called Mrs. Detroit and drove out to meet her.

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