OHIO Claims Adjuster- COMPLETE
STUDY GUIDE *Q&A* (100% Correct)
2025/2026 |VERIFIED|
When an adjuster investigates a claim for a stolen vehicle, what documentation is most important to
verify?
The police report and proof of ownership, such as the vehicle’s registration and title.
In...
OHIO Claims Adjuster- COMPLETE
STUDY GUIDE *Q&A* (100% Correct)
2025/2026 |VERIFIED|
When an adjuster investigates a claim for a stolen vehicle, what documentation is most important to
verify?
The police report and proof of ownership, such as the vehicle’s registration and title.
In Ohio, how long does an insurer have to investigate a claim and notify the policyholder of a decision?
21 days from the receipt of the claim.
When handling a bodily injury claim, which of the following factors is crucial for an adjuster to
determine?
The severity of the injury and whether it is covered by the policy’s limits.
What is the definition of "negligence" in the context of an auto accident claim?
A failure to exercise reasonable care, resulting in damage or injury.
What is the role of an insurance adjuster when an accident involves multiple parties?
To assess the extent of damage to each vehicle and determine the responsible party based on
liability.
When handling a claim for fire damage to a home, what is an essential step in the investigation process?
Verifying the cause of the fire and ensuring it is a covered peril under the policy.
What should an adjuster do if they find evidence that the insured intentionally caused the damage in a
property claim?
Deny the claim and report the incident to the appropriate authorities for investigation.
1
,Which of the following is NOT typically covered under a homeowners' policy?
Flood damage from rising water.
If a claims adjuster suspects fraud, what is the first step they should take?
Report the suspicion to their supervisor or the fraud department for further investigation.
When investigating a car accident claim, what key factor must an adjuster determine?
Who is at fault for the accident and what coverage applies.
In Ohio, what is the purpose of the "statute of limitations" in an insurance claim?
To define the time limit within which a claim or lawsuit must be filed.
How should a claims adjuster respond if they receive a claim for property damage from a tenant in a
rental property?
Confirm the tenant’s coverage under the landlord's policy or direct them to file a claim with their
own renters' insurance.
If an insured’s vehicle is involved in an accident with another driver who has minimal or no insurance,
what should the adjuster do?
Review the insured’s policy for uninsured/underinsured motorist coverage and proceed based on
those terms.
What is the meaning of "excess coverage" in an insurance policy?
Coverage that applies after the primary policy limits have been exhausted.
When an adjuster is investigating a claim for water damage, what key aspect must they check?
Whether the damage was caused by a covered peril, such as a burst pipe, or an excluded event,
such as flooding.
What is the purpose of "subrogation" in an insurance claim?
2
, To allow the insurer to recover costs from a third party responsible for the loss.
What action must a claims adjuster take if they discover that an insured's policy lapsed before the loss
occurred?
Deny the claim, as the policy was not in effect at the time of the loss.
When an adjuster is handling a claim for a commercial property loss, what factor is critical to consider?
Whether the business interruption losses are covered under the policy’s terms.
What is the role of an adjuster when dealing with a claim for wrongful death?
To evaluate the potential damages based on the policy's liability limits and ensure all necessary
documentation is obtained.
If an adjuster finds that a claim is related to a pre-existing condition, what should they do?
Verify the condition’s impact on the claim and determine if the policy includes a pre-existing
condition exclusion.
When handling a claims investigation for a slip-and-fall accident, what is essential to determine?
Whether the property owner’s negligence caused or contributed to the accident.
What is the purpose of the "comparative negligence" rule in Ohio?
To reduce the compensation a claimant can receive based on their percentage of fault in the
incident.
When an adjuster is evaluating a claim for an injury in a commercial vehicle accident, what must they
review?
The driver’s records, vehicle maintenance, and the circumstances of the accident to determine
liability.
How does an adjuster determine the appropriate payout for a claim involving a total loss?
3
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