What kinds of misconduct might lead to disciplinary action against an adjuster?

Disciplinary action against an insurance adjuster can arise from serious misconduct that undermines the integrity of the insurance process and violates ethical standards and legal requirements. Engaging in fraudulent practices can include altering claims, misrepresenting facts, or manipulating information for personal gain, all of which severely breach the trust required in the insurance industry. Harassment and discrimination are also significant issues, as they violate both ethical considerations and state and federal laws designed to protect individuals from unfair treatment. Violating state insurance laws encompasses a wide range of actions that could include failing to adhere to regulations, not maintaining proper licensing, or operating outside the scope of authorized activities.

In contrast, while filing too many claims, making errors in calculations, and refusing claims without a valid reason might raise concerns or lead to a review of an adjuster's performance, they typically do not constitute misconduct severe enough to result in disciplinary action as long as they stem from legitimate circumstances or oversight. Such errors or high claim volumes may require further training or supervision rather than disciplinary measures. Therefore, the correct answer highlights the most serious forms of misconduct that directly impact the trust and efficacy of the insurance system.