(1) In the event that an applicant for an adjuster’s license meets the qualification requirements of KRS § 304.9-430 except that he or she has not had experience or special education or training as to the handling of loss claims under insurance contracts of sufficient duration and extent to make him or her reasonably confident to fulfill the responsibilities as an adjuster, he or she shall not be required to take and successfully complete the prescribed written examination and may be issued a temporary license as an apprentice adjuster for a period not to exceed twelve (12) months.
(2) A temporary license as an apprentice adjuster shall be subject to the following terms and conditions:

Terms Used In Kentucky Statutes 304.9-432

  • Apprentice adjuster: means an individual who meets the qualification requirements to hold a license as an independent, staff, or public adjuster, except for the experience, education, and training requirements. See Kentucky Statutes 304.9-020
  • Evidence: Information presented in testimony or in documents that is used to persuade the fact finder (judge or jury) to decide the case for one side or the other.
  • Home state: means the District of Columbia and any state or territory of the United States in which a licensee maintains his or her principal place of residence or principal place of business and is licensed by that state. See Kentucky Statutes 304.9-020
  • Probation: A sentencing alternative to imprisonment in which the court releases convicted defendants under supervision as long as certain conditions are observed.
  • Public adjuster: means any person who, for compensation or anything of value:
    (a) Acts on behalf of an insured or aids an insured, solely in relation to first-party claims arising under insurance contracts that insure the real or personal property of the insured, in negotiating for, or effecting the settlement of, a claim for loss or damage covered by an insurance contract. See Kentucky Statutes 304.9-020
  • Service of process: The service of writs or summonses to the appropriate party.
  • Settlement: Parties to a lawsuit resolve their difference without having a trial. Settlements often involve the payment of compensation by one party in satisfaction of the other party's claims.
  • State: when applied to a part of the United States, includes territories, outlying possessions, and the District of Columbia. See Kentucky Statutes 446.010

(a) An individual holding a temporary license as apprentice adjuster shall have all of the privileges and obligations of an adjuster licensed under the insurance code;
(b) An individual holding a temporary license as an apprentice adjuster shall at all times be a full-time salaried employee of an insurer or an adjuster and subject to training, direction, and control by a licensed adjuster acting in the same capacity as that for which the applicant applied;
(c) A temporary license as apprentice adjuster shall be subject to suspension, revocation, or conditions in accordance with KRS § 304.9-440; and
(d) An individual may hold only one (1) temporary license as an apprentice adjuster.
(3) An individual applying for a resident apprentice adjuster license shall make application to the commissioner on the appropriate uniform individual application, in a format prescribed by the commissioner, and declare under penalty of suspension, revocation, or refusal of the license that the statements made in the application are true, correct, and complete to the best of the individual’s knowledge and belief. Before approving the application, the commissioner shall determine whether the applicant:
(a) Is at least eighteen (18) years of age;
(b) Is a resident of Kentucky and has designated Kentucky as his or her home state;
(c) Has a business or mailing address in the state for acceptance of service of process;
(d) Has not committed any act that is a ground for probation or suspension, revocation, or denial of licensure as set forth in KRS § 304.9-440;
(e) Is trustworthy, reliable, and of good reputation, evidence of which may be determined by the commissioner;
(f) Has paid the fees prescribed by administrative regulation promulgated pursuant to KRS § 304.4-010; and
(g) Has provided an attestation from a licensed independent, staff, or public
adjuster with the same line of authority for which the apprentice has applied, attesting that the apprentice adjuster shall be subject to training, direction, and control by the licensed adjuster, and further certifying that the licensed adjuster assumes responsibility for the actions of the apprentice in the apprentice’s capacity as an adjuster.
(4) The apprentice adjuster license shall be subject to the following terms and conditions:
(a) The apprentice adjuster shall only be authorized to adjust claims in the state that has issued the apprentice adjuster license;
(b) The apprentice adjuster shall be restricted to participation in the investigation, settlement, and negotiation of claims subject to the review and final determination of the claim by the supervising licensed adjuster;
(c) Compensation of an apprentice adjuster shall be on a salaried or hourly basis only;
(d) The apprentice adjuster shall not be required to pass the independent or public adjuster examination, as required by KRS § 304.9-430(2), to adjust claims as an apprentice adjuster. At any time during the apprenticeship, the apprentice adjuster may choose to take the examination required by KRS § 304.9-430(2) and, if he or she passes the examination, the apprentice adjuster license shall automatically terminate and an adjuster license shall be issued to that individual in place thereof; and
(e) The apprentice adjuster license shall be for a time period not to exceed twelve
(12) months and is nonrenewable.
(5) The licensed independent, staff, or public adjuster responsible for the apprentice adjuster shall only supervise the activities of the apprentice adjuster as set forth in this subtitle.
Effective: July 15, 2010
History: Amended 2010 Ky. Acts ch. 83, sec. 14, effective July 15, 2010. — Amended
2002 Ky. Acts ch. 273, sec. 35, effective July 15, 2002. — Amended 2000 Ky. Acts ch. 393, sec. 33, effective July 14, 2000. — Created 1984 Ky. Acts ch. 262, sec. 4, effective April 1, 1985.
Legislative Research Commission Note (7/15/2010). References to the “executive director” of insurance in subsection (3) of this section, as amended by 2010 Ky. Acts ch. 83, sec. 14, have been changed in codification to the “commissioner” of insurance to reflect the reorganization of certain parts of the Executive Branch, as set forth in Executive Order 2009-535 and confirmed by the General Assembly in 2010 Ky. Acts ch. 24. These changes were made by the Reviser of Statutes pursuant to 2010 Ky. Acts ch. 24, sec. 1938.