If a claimant is represented by an attorney, the adjuster should?

• A. Only meet with the client when the attorney is present
• B. Meet with the attorney only
• C. Never meet with the client
• D. Meet with both attorney and client regardless of representation

Answer: (A)

When a claimant has legal representation, all communications should go through the attorney, and any discussion with the claimant should occur with the attorney present. This protects both sides by ensuring the attorney can advise the claimant, prevents misstatements or promises the adjuster can’t honor, and avoids ex parte communications.

So, the best approach is to meet with the client only when the attorney is present. If the attorney isn’t available, you would coordinate to reschedule or proceed with the attorney present to avoid direct, unfiltered contact with the claimant.

This fits because meeting the attorney only omits necessary information from the claimant, never meeting the client is too rigid, and meeting with both without regard to representation ignores the protective role of counsel and can create confusion or disputes.