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Adjuster Pro 2 Exam Questions with 100% Correct Answers | Rated A+

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Adjuster Pro 2 Exam Questions with 100% Correct Answers | Rated A+ Agent - one who recieves the authority to act on behalf of someone else Sales Agent - receives authority to sell -authority given by written contract Insurance Adjuster - receives authority to settle claims brought against ...

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  • December 30, 2024
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  • 2024/2025
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Adjuster Pro 2 Exam Questions with

100% Correct Answers | Rated A+


Agent - ✔✔one who recieves the authority to act on behalf of someone else

Sales Agent - ✔✔receives authority to sell

-authority given by written contract

Insurance Adjuster - ✔✔receives authority to settle claims brought against

the insurer

- authority given by written contract

Three major responsibilities of contracted agents - ✔✔1. follow the contract

2. always use reasonable judgement & care

3. provide all necessary information and documentation to the insurer

Express Authority - ✔✔authority that is directly granted to the agent in

writing via the agent's contract

authority to: sell policies, collect premiums, issue binders, offer discounts, &

cancel insurance

Implied Authority - ✔✔the authority that the public reasonably believes the

agent to have, based on the agent's representations:

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,portraying oneself as a representative, wearing a name tag with a company

logo, handing out company business cards

Apparent Authority - ✔✔indirect authority that is granted when the insurer

does NOT correct its agent, even though the agent may be acting in error

What is an Independent Insurance Sales Agent? - ✔✔a self employed

agent that is able to represent and offer insurance products from more than

one company at a time.

-able to compare and give rate quotes from diff companies

- able to find a policy that bear fits the customer

Exclusive (Captive) Agent - ✔✔paid on commission basis, represents one

insurer at a time

General Agent - ✔✔works for one company and supervises/trains the

exclusive agents

Direct Writer - ✔✔same as exclusive agent but works for salary

day-to-day activities of a sale's agent - ✔✔sell insurance policies, service

policyholders' contracts, collect premiums, represent the insurer

Claim Function - ✔✔the process of handling claims for coverage under an

insurance policy

-primary role of an adjuster

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©NINJANERD 2025/2026. YEAR PUBLISHED 2025.

, Two main goals in the Claims Function - ✔✔- comply with the terms of the

contract

- support the insurer's financial stability

What is Adjusting? - ✔✔the process of comparing a claimant's losses to the

promises made in an insurance policy

What is an Insurance Adjuster? - ✔✔an agent who processes insurance

claims for a salary, fee, or commission

Who can an Adjuster work for? - ✔✔an insurer, a private company, an

adjusting company, or the claimant (insured)

Staff (Company) Adjuster - ✔✔employed by one insurer, salaried, can work

locally, regionally, nationally

ex. State farm

Independent Adjuster - ✔✔-can be called a fee adjuster or bureau adjuster

- not contracted by any one insurer

- self employed

- processes claims for multiple insurers at the same time

- paid by fee schedule, daily rate, or time + expense

- sometimes paid on a commission basis

Public Adjuster - ✔✔- hired by claimant


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©NINJANERD 2025/2026. YEAR PUBLISHED 2025.

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