Merlin Law Group Attorney Jason Cieri received a call from a public adjuster asking if Alabama licenses general alignment and whether it is illegal to represent policyholders in Alabama. The answer is that general adaptation is not licensed in Alabama and doing what most public adjusters do is a crime in Alabama and is also considered unauthorized law.
Merlin Law Group Alabama Licensed Attorney Ashley Harris noted Public Adjusters Licensed in Alabama: Not this year that an earlier 2016 licensing attempt failed:
In April, I announced that Representative Jimmy Martin presented Alabama House Bill 181 on February 11, 2016 for regulation of public adjusters in Alabama.
The bill was later passed indefinitely and the legislative session ended May 16, 2016.
Alabama will thus not license public adjusters this year.
In an article following the 2012 tornadoes that swept through Alabama, the Alabama Bar apparently warned that public adaptation was illegal and those who conspired to help public adjusters could also be held in criminal danger:
Alabama bar association on 9 May issued a statement in which all third parties who negotiated with an insurance company on behalf of the policyholder committed an offense.
& # 39; Alabama does not license tortfeasors so that any claims made by such third-party recycling companies are considered unlawful legislation, which is the subject of criminal law, ”the statement said. "Anyone who helps third-party fraudsters who try to settle claims for applicants can also be accused of aiding and abetting this illegal activity."
Tony McLain, the Bar Association's attorney, said that even giving advice on how to negotiate with an insurance company can be a crime. "If they give you legal advice, that's the law's practice," he said.
Does this prevent all public adjusters from advertising and doing adaptation work in Alabama? No. I found a number of public relations firms advertising for illegal work in Alabama. I suggest that those who do stop, otherwise you may lose your license in all states. All the Alabama Insurance Commissioner, Alabama Bar or unfriendly insurance company advisor must do is report that you are engaging in illegal activities in Alabama to any state you are licensed to, and your license may be in danger anywhere.
Here is an example of such an advertisement:
The most experienced and professional expert Alabama Public Adjustters / Private Adjustters in the state of Alabama. As your Alabama Public Adjuster, you can be assured that National Adjusters, Inc. are the best experts in getting homeowners and commercial business owners to the greatest possible property claim settlement. Even as your Alabama Public Adjuster / Private Adjuster, you will have the most experienced and well-known public adjusters in the entire state. When it comes to maximizing your insurance claims, you can have the best Alabama Public Adjuster that gives you the largest insurance settlement. We do not take a penny forward and will guarantee that if you do not get paid, we will not charge for my services and we will not charge any fees for our Alabama Public Adjusting Service.
So, please do not perform law in Alabama. Being and calling yourself a "consultant" will not get you out of jail even if what you do is illegal adaptation by the public. As I told a public adjuster yesterday: “I'm sorry that some state laws are awful to you and do not allow you to do what you normally do in most states. But when you ask me, I have to report what I find and warn you – even if you do not like to hear it. & # 39;
Thought for the day
] Commitment to the rule of law provides a basic assurance that people can know what to expect if what they do is popular or unpopular at the time.
—Sandra Day O & # 39; Connor