Unethical behaviors and fraud awareness are the keys to this course. The entire course talks about
ethics and fraud with a multitude of examples and definitions to sharpen adjusters’ knowledge and
awareness in this area, both personal and professional.

It details lots of specific acts and a wide variety of fraud, scams, and schemes that are only intended to
“rip off” you, me, our families, and friends

A review of the table of contents shows that, in seven specific lessons, all the material is designed and
intended to contribute to an adjuster’s understanding of the wide expanse of fraud.

It speaks about the various types and the differentiating aspects of fraud; and also, how California is set
up to deal with it through the Fraud Division of the Insurance Department.

It concludes with a wrap-up of the costs of fraud for us all ultimately. It contains a call to action to
report fraud where it exists and suggest steps to take and places for the reporting of fraud.

As insurance adjusters provide an essential service and serve as an important resource for
homeowners, renters, drivers, and consumers across the state, you also play a key role in anti-fraud
efforts for the insurance industry as you are in a unique position to detect suspicious insurance
applications, potential fraudulent transactions, and claims, and stop them before the fraud is
committed.

Because of the change in state law, beginning in 2023, agents and brokers now have a duty to report
suspected fraud. The new requirement will assist investigators in the Enforcement Department to do
their job to protect consumers.

This training is really aimed at helping you identify red flags for potential fraud so you can meet your
reporting duty. In doing so, you are helping prevent fraudulent insurance transactions and sending a
strong deterrent message.

We look at how to get a better handle on knowing how identity thieves and other forms of fraud work,
what they are looking for, what they do with what they steal, and how it affects us both in time and
money–all negatively affecting our financial well-being, as well as retirement savings and investing.

We review what should and can be done if, if fact, one becomes a victim of “Fraud” in all of its forms and
areas of fraud in California.