Connecticut Insurance Law and Adjuster Regulation
Licensing and market conduct
Connecticut regulates adjusters through the Insurance Department, which licenses adjusters by class - staff/company and independent adjusters on the insurer side, and public adjusters, who contract with the insured for a fee. A staff or independent adjuster may never accept compensation from a claimant and may never represent both sides of the same loss. Licenses carry prelicensing education, examination, appointment, renewal, and continuing education obligations; always confirm current class names, hour requirements, and renewal dates with the Department rather than relying on memory.
Enforcement runs through the unfair insurance practices statutes and regulations. Classic violations in claim files: misrepresenting policy provisions; failing to acknowledge and act reasonably promptly on claim communications; failing to adopt and implement reasonable investigation standards; refusing to pay without a reasonable investigation; failing to explain the basis for a denial; and offering substantially less than the amount ultimately recovered. Intent is not required - the pattern in the file is the evidence.
Connecticut specifics adjusters must know
Connecticut is a tort (not no-fault) auto state. Private passenger autos must carry liability limits of at least $25,000 per person / $50,000 per accident / $25,000 property damage, and insurers must provide uninsured/underinsured motorist coverage at limits equal to the bodily injury liability limits. Workers' compensation is administered by the Workers' Compensation Commission, not the Insurance Department - a frequent exam trap.
Rule of thumb: when liability is clear and damages approach or exceed limits, document a written, time-stamped limits disclosure to the insured and claimant counsel. Silence here is the textbook setup for a bad-faith and unfair-practices allegation.