Editor's Note: This is the second article in a six-partseries on adjuster ethics. Read Part 1: For adjuster ethics, the “I's” haveit!

While none of them are dumb, the Central Intelligence Agencydoes not select their operatives solely on the basis of IQ. Lots ofsuper-smart people have little common sense and would make terriblespies. The CIA isn't about “intelligence quotient,” it's aboutinformation. Intelligence is needed to obtain, evaluate and actupon information, but the key is accuracy. Bad intelligence getspeople killed or insurers sued.

The same is true for claims adjusters. We may be super smart, an A+graduate, or we may be an intellectual drop-out. It is how we gather the information about theclaims we are assigned that determines if the settlement or denialwill be ethical. Information needed for a claim can involvecoverage, liability or damages. Each of these must first beinvestigated, then evaluated, and finally negotiated orresolved.

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