What are potential consequences of engaging in insurance fraud as an adjuster?

Engaging in insurance fraud as an adjuster can lead to significant legal repercussions, including criminal charges and fines. Insurance fraud is a serious offense that undermines the integrity of the insurance industry and can result in felony or misdemeanor charges depending on the nature and severity of the fraudulent activity. If convicted, adjusters may face substantial fines, imprisonment, and a permanent mark on their professional record, which can severely impact their career in the insurance field. This option highlights the severe legal consequences that are possible when fraud is perpetrated, emphasizing the importance of ethical conduct in the profession as adjusters are expected to act with honesty and integrity when handling claims.

The other options do not accurately reflect the serious implications of committing fraud; for example, increased commission rates and higher premiums for clients are not outcomes typically associated with illegal activities, and civil lawsuits alone would not cover the broader scope of consequences faced for criminal activities.