Louisiana Insurance Claims Adjuster Exam Study Question and Answers [100% Correct] 2025/2026 |UPDATED POLICIES
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Course
Claims Adjuster
Institution
Claims Adjuster
Louisiana Insurance Claims Adjuster Exam
Study Question and Answers [100% Correct]
2025/2026 |UPDATED POLICIES|
What is the primary role of a claims adjuster in Louisiana?
To investigate, evaluate, and resolve insurance claims in accordance with the policy terms and
Louisiana state regu...
Louisiana Insurance Claims Adjuster Exam
Study Question and Answers [100% Correct]
2025/2026 |UPDATED POLICIES|
What is the primary role of a claims adjuster in Louisiana?
To investigate, evaluate, and resolve insurance claims in accordance with the policy terms and
Louisiana state regulations.
How must a claims adjuster in Louisiana obtain their license?
By completing the required pre-licensing education, passing the state exam, and submitting an
application to the Louisiana Department of Insurance.
What is considered an unfair claims practice in Louisiana?
Failing to acknowledge claims within a reasonable time frame, providing incomplete or
misleading information to claimants, or delaying claims processing without cause.
What is the significance of the "Louisiana Unfair Trade Practices and Consumer Protection Law" for
claims adjusters?
It establishes legal protections for consumers against unfair or deceptive practices by insurers,
ensuring that claims are handled fairly and promptly.
What should an adjuster do when there is a dispute over liability in a motor vehicle accident claim in
Louisiana?
The adjuster should review police reports, witness statements, and physical evidence to
determine liability and ensure fair compensation for the claimant.
What does "replacement cost" mean in an insurance claim?
The amount it would cost to replace an insured item with a new one of similar kind and quality,
without deducting for depreciation.
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,How should an adjuster handle a situation where a claimant has sustained both property damage and
bodily injury in an accident?
The adjuster must assess both the property damage and the medical claims separately, ensuring
each is handled according to the policy’s coverage limits.
In Louisiana, how long does an insurer have to acknowledge a claim after receiving it?
Insurers must acknowledge receipt of a claim within 30 days from the date it is received.
If a claim is denied, what must the adjuster do under Louisiana law?
The adjuster must provide a written explanation of the denial and inform the claimant of their
right to appeal the decision.
What is the role of an adjuster in determining the settlement for a total loss claim?
The adjuster evaluates the value of the property or vehicle, considers depreciation or policy
coverage limits, and determines the fair settlement amount.
What is "actual cash value" (ACV), and how does it differ from replacement cost?
ACV is the replacement cost minus depreciation, reflecting the current value of the property or
item at the time of loss.
In a Louisiana workers' compensation claim, what is the adjuster responsible for?
The adjuster is responsible for evaluating the injured worker's medical treatment, lost wages, and
ensuring compensation is in line with Louisiana's workers’ compensation laws.
What does Louisiana law require an adjuster to do if there is a reasonable suspicion of fraud in a claim?
The adjuster must report suspected fraud to the insurer’s fraud unit or the Louisiana Department
of Insurance for investigation.
What is the purpose of a subrogation clause in an insurance policy?
Subrogation allows the insurer to recover money from a third party responsible for the damage
after they have paid the claim.
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, What is the significance of the "Duty to Defend" clause in liability insurance policies?
It requires the insurer to provide legal defense to the policyholder in the event of a lawsuit, even
if the allegations are potentially unfounded.
How should an adjuster assess the impact of prior damage when determining the value of a current
claim?
The adjuster must evaluate the extent of prior damage and consider how it affects the current
condition of the property, factoring in depreciation.
What action must an adjuster take if a claimant files a complaint about their handling of a claim?
The adjuster should respond promptly, cooperate with the insurer’s internal review process, and
address the concerns raised by the claimant.
What is the purpose of a "claims reserve" in insurance claims?
A claims reserve is an amount set aside by the insurer to cover anticipated payments for claims,
ensuring the company has enough funds to settle those claims.
When an adjuster investigates an auto insurance claim, what types of evidence are essential to gather?
The adjuster should gather police reports, witness statements, photographs, and physical
evidence from the accident scene to determine liability and damages.
What role does an adjuster play in the settlement of a bodily injury claim?
The adjuster is responsible for evaluating the medical evidence, negotiating a fair settlement, and
ensuring the settlement complies with policy limits.
How does an adjuster handle a case where a claimant is refusing to cooperate in providing necessary
documentation?
The adjuster should document all attempts to contact the claimant and may need to escalate the
situation by informing the insurer or requesting assistance from legal counsel.
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