All of the following explain when the use of independent adjusters might be advantageous, EXCEPT:

All of the following explain when the use of independent adjusters might be advantageous, EXCEPT:

A. Insurers may use independent adjusters for specific types of losses, for example, aircraft accidents, in which specialized expertise is required to settle the claim.

B. In the case of a catastrophic loss such as a hurricane, an insurer may not have sufficient staff to manage the claim volume and may temporarily depend upon independent adjusters to handle the excess.

C. In some areas it is not economically feasible to set up remote claim offices and in these areas insurers may depend on independent adjusters to handle their insureds' losses.

D. The insured may retain an independent adjuster after becoming dissatisfied with the pace of negotiations with the insurer.

Answer: D