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HRS §431:9-105

Who counts as an adjuster or bill reviewer

This section defines key terms used in the insurance law. It explains who is an adjuster, an independent adjuster, an independent bill reviewer, and a public adjuster. It also lists people who are not considered adjusters, like lawyers and salaried employees.

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The statute, as written — Definitions

As used in this article, unless the context otherwise requires: "Adjuster": (1) Means any individual who: (A) Acts solely on behalf of either the insurer or the insured, as an independent contractor or as an employee of an independent contractor; and (B) Investigates for, reports to, or adjusts for the individual's principal relative to claims arising under insurance contracts; but (2) Does not include an individual who is: (A) An attorney at law who adjusts insurance losses from time to time incidental to the practice of the attorney's profession; (B) An adjuster of marine losses; (C) A salaried employee of an insurer or salaried employee of an adjusting corporation or an association owned or controlled by an insurer; or (D) An individual who acts for a self-insurer or for an insured that administers its own group insurance contract. "Independent adjuster" means an adjuster representing the interests of the insurer. "Independent bill reviewer": (1) Means any individual who: (A) Acts solely on behalf of either the insurer as an independent contractor or as an employee of an independent contractor; and (B) Reviews or audits billings for medical services; but (2) Does not include an individual who is: (A) A salaried employee of an insurer or salaried employee of an adjusting corporation or an association owned or controlled by an insurer; or (B) A database provider for the insurer. "Public adjuster" means an adjuster employed by and solely representing the financial interests of the insured named in the policy.
Read the official text at capitol.hawaii.gov ↗as published Jan 6, 2026our copy taken Aug 20, 2026

LawTrove is not legal advice. The summary above is a computer-generated restatement — the authoritative text is the official version linked above.