{"data":{"id":"us-sc/s.c.-code-ann.-38-91-110","jurisdiction":"us-sc","citation":"S.C. Code Ann. § 38-91-110","heading":"Adjusters; conduct standards; conflicts; misrepresentation; review of denials.","body":"(A) A licensed adjuster is subject to the provisions of the chapters that prohibit unfair trade and unfair claims practices of this title.\n(B) An adjuster may not permit an unlicensed employee or representative of the adjuster to conduct business for which a license is required under this chapter.\n(C) An adjuster may not have a direct or indirect financial interest in any aspect of the claim, other than the salary, fee, or other consideration established with the insurer.\n(D) An adjuster may not acquire any interest in salvage of property subject to the contract with the insurer.\n(E) An adjuster may not solicit employment for, recommend, or otherwise solicit engagement, directly or indirectly, for or on behalf of any attorney at law, contractor, or subcontractor, in connection with any loss or damage with respect to which such adjuster is concerned or employed.\n(F) An adjuster may not solicit or accept any compensation, directly or indirectly, from, by, or on behalf of any contractor or subcontractor engaged by or on behalf of any insured by which such adjuster has been, is, or will be employed or compensated, directly or indirectly.\n(G) Adjusters must adhere to the following general requirements:\n(1) An adjuster may not undertake the adjustment of any claim if the adjuster is not competent and knowledgeable as to the terms and conditions of the insurance coverage, or which otherwise exceeds the adjuster's current expertise.\n(2) An adjuster may not knowingly make any oral or written material misrepresentations or statements which are false and intended to injure any person engaged in the business of insurance.\n(3) No adjuster, while so licensed by the department, may represent or act as a public adjuster.\n(4) No adjuster may materially misrepresent to an insured or other interested party the terms and coverage of an insurance contract with intent and for the purpose of effecting settlement of a claim for loss or damage or benefit under such contract on less favorable terms than those provided in and contemplated by the insurance contract.\n(5) If the insured's claim is denied and the insured contests the denial, an individual licensed under this chapter must review the denial with the insured.","path":["Title 38 - INSURANCE","CHAPTER 91 Insurance Adjusters"],"source_url":"https://www.scstatehouse.gov/code/t38c091.php","current_through":"2026 Session of the General Assembly","vintage":"","retrieved_at":"2026-10-25T03:48:25Z","sha256":"a18e433f4d43929bc40fed5519c521643fb09389e858350370ed833434b4790f","source_id":"us-sc","stale":false,"prev":"us-sc/s.c.-code-ann.-38-91-100","next":"us-sc/s.c.-code-ann.-38-91-120"},"notice":"GroundRules: Original legal text. Not legal advice."}