For an insurance company and its representatives to be ethical, they must believe in and practiceintegrity and the principle of indemnification.

That's what insurance is about: restoring to wholeness thefirst- or third-party person(s) who have suffered loss that iscovered within the policy contract, or owed under the law.

Doing that requires both initiative and imagination. When facedwith a new and difficult kind of claim, a good adjuster will beexcited to solve it and prepared to delve intothe facts of the loss.

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