Which statement about a Public Adjuster is correct?

Which statement about a Public Adjuster is correct?

• A. A Public Adjuster can appraise auto policy losses.
• B. A Public Adjuster is defined as someone who handles only property claims.
• C. A Public Adjuster does not include a person that appraises claims for loss covered by a motor vehicle policy.
• D. A Public Adjuster represents insurers.

Answer: (C)

Public adjusters are professionals hired by the insured to negotiate and settle claims for property losses, representing the insured rather than the insurer. In Maryland, this role does not include those who appraise losses under motor vehicle policies. That means a person who handles motor vehicle policy losses isn’t considered a public adjuster. The key point is who they represent and what types of losses they handle: public adjusters advocate for the insured in property claims, while auto policy losses are typically handled by insurers or their own adjusters.

Public adjusters are professionals hired by the insured to negotiate and settle claims for property losses, representing the insured rather than the insurer. In Maryland, this role does not include those who appraise losses under motor vehicle policies. That means a person who handles motor vehicle policy losses isn’t considered a public adjuster. The key point is who they represent and what types of losses they handle: public adjusters advocate for the insured in property claims, while auto policy losses are typically handled by insurers or their own adjusters.