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State Insurance Claims Adjusters Certification 2024-
2025
Alabama Claims Adjuster-Pro Exam Review Questions
and Answers | 100% Pass Guaranteed | Graded A+ |
Read All Instructions Carefully and Answer All the
Questions Correctly Good Luck: -
In an investigation, "critical evidence" could include all
of the following, EXCEPT:
A. The claimant's premium payment history
B. Statements from the claimant and at-fault party
C. Photographs of the damage
D. Sketches of the property - =Answer>> A. The
claimant's premium payment history
A witness who has had a recorded interview:
A. Must have a lawyer present during the interview
B. Must have a chance to correct anything that is
incorrect
C. Is taken more seriously
D. Must do so under oath - =Answer>> B. Must have
a chance to correct anything that is incorrect
For a bodily injury liability claim, the adjuster must
determine all of the following, EXCEPT:
A. The severity of the injury
B. The presence of any pre-existing conditions
C. The amount of punitive damages requested
D. The type of injury - =Answer>> C. The amount of
punitive damages requested
What is the first step of the evaluation process of a
claim?
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A. Investigating the claim
B. Determining the cause of the loss
C. Determining time and cost of repairs
D. Acknowledging the claim - =Answer>> C.
Determining time and cost of repairs
Jim is currently working on a property damage claim,
gathering evidence, reviewing police reports, and
interviewing witnesses. In which stage of the claim
adjusting process is Jim currently working?
A. Evaluation
B. Investigation
C. Resolution
D. Negotiation - =Answer>> B. Investigation
Jim is currently working on a liability claim, and has
completed his investigation. He presents his findings to
the claimant, who disagrees with the settlement offer.
Into which stage of the adjusting process is Jim about to
enter?
A. Claim evaluation
B. Determining liability
C. Negotiation and resolution
D. Claim reporting - =Answer>> C. Negotiation and
resolution
Jim is working a claim. Currently, he is applying all
financial provisions of the policy, including the policy
limits, co-insurance, valuation, and deductibles. In
which stage of the claims process is Jim currently
working?
A. Negotiation
B. Evaluation
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C. Investigation
D. Reporting - =Answer>> B. Evaluation
How many options are there for responding to a claim?
- =Answer>> Four
What are the four options for responding to a claim? -
=Answer>> Accept the request and pay the claim
Reject the request and deny the claim
Negotiate a settlement
Dispute the resolution
Rejecting the request and denying the claim requires
what? - =Answer>> A written explanation
When should you negotiate a settlement? -
=Answer>> When the claimant's offer is within a
reasonable range of the insurer's
How many options are there to dispute a resolution? -
=Answer>> Five
What are the five options to dispute a resolution? -
=Answer>> Arbitration
Mediation
Appraisal
Declaratory Judgement
Litigation
Which dispute resolution should be a last resort? -
=Answer>> Litigation
From a legal standpoint, when a policyholder files a
claim against her insurance policy, she is essentially
submitting a / an:
A. Indemnification
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