AIC 300 - Claims in an Evolving World
Exam Questions and Answers | Fall 2026
| 100% Correct
Insurers usually send denial letters
Select one:
A. By email to ensure prompt receipt by the insured.
B. By certified mail with a return receipt requested.
C. By overnight courier.
D. By registered mail. - 🧠 ANSWER ✔✔B. By certified mail with a return
receipt requested.
Some will also send a copy via regular mail in case the certified letter is not
accepted.
As methods of communication evolve, it's important for claims
professionals to remember that any written claims communication may be
,Select one:
A. Replaced with verbal communication.
B. Misinterpreted.
C. Edited later.
D. Subpoenaed. - 🧠 ANSWER ✔✔D. Subpoenaed.
Any written claims communication may be subpoenaed.
In which one of the following scenarios is a public adjuster most likely to
become involved?
Select one:
A. An insurer finds it financially unfeasible to hire its own claims staff in a
given state.
B. An insured is unable to afford legal representation to contest a claim.
C. A catastrophic disaster strikes, involving damage to many properties.
D. An insured's negotiations with the insurer on a complex claim are not
going well. - 🧠 ANSWER ✔✔D. An insured's negotiations with the insurer
on a complex claim are not going well.
,If a claim is complex, or if settlement negotiations are not progressing with
the insurer, the insured may hire a public adjuster to protect his or her
interests.
Which one of the following statements regarding third-party administrators
(TPAs) is most accurate?
Select one:
A. TPAs are typically used by businesses that have chosen not to self-
insure.
B. TPAs handle claims, keep claims records, and perform statistical
analyses.
C. TPAs are generally found in an insurer's claims department.
D. TPAs are employed only by independent adjusting firms. - 🧠 ANSWER
✔✔B. TPAs handle claims, keep claims records, and perform statistical
analyses.
Hugo is conducting an audit of a branch office claims operation. He is
evaluating timeliness of reports, number of files opened, proper releases
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, taken, and accuracy of data entry. Which one of Hugo's metrics is a
qualitative audit factor?
Select one:
A. Proper releases taken
B. Timeliness of reports
C. Number of files opened
D. Accuracy of data entry - 🧠 ANSWER ✔✔A. Proper releases taken
Proper releases taken is a qualitative audit factor; the others are
quantitative.
Aaron works for a multi-line insurer. He works with insurance producers
and applicants to evaluate new business submissions and conduct renewal
underwriting. Aaron is a
Select one:
A. Staff underwriter.
B. Public underwriter.
C. Personal lines underwriter.
Exam Questions and Answers | Fall 2026
| 100% Correct
Insurers usually send denial letters
Select one:
A. By email to ensure prompt receipt by the insured.
B. By certified mail with a return receipt requested.
C. By overnight courier.
D. By registered mail. - 🧠 ANSWER ✔✔B. By certified mail with a return
receipt requested.
Some will also send a copy via regular mail in case the certified letter is not
accepted.
As methods of communication evolve, it's important for claims
professionals to remember that any written claims communication may be
,Select one:
A. Replaced with verbal communication.
B. Misinterpreted.
C. Edited later.
D. Subpoenaed. - 🧠 ANSWER ✔✔D. Subpoenaed.
Any written claims communication may be subpoenaed.
In which one of the following scenarios is a public adjuster most likely to
become involved?
Select one:
A. An insurer finds it financially unfeasible to hire its own claims staff in a
given state.
B. An insured is unable to afford legal representation to contest a claim.
C. A catastrophic disaster strikes, involving damage to many properties.
D. An insured's negotiations with the insurer on a complex claim are not
going well. - 🧠 ANSWER ✔✔D. An insured's negotiations with the insurer
on a complex claim are not going well.
,If a claim is complex, or if settlement negotiations are not progressing with
the insurer, the insured may hire a public adjuster to protect his or her
interests.
Which one of the following statements regarding third-party administrators
(TPAs) is most accurate?
Select one:
A. TPAs are typically used by businesses that have chosen not to self-
insure.
B. TPAs handle claims, keep claims records, and perform statistical
analyses.
C. TPAs are generally found in an insurer's claims department.
D. TPAs are employed only by independent adjusting firms. - 🧠 ANSWER
✔✔B. TPAs handle claims, keep claims records, and perform statistical
analyses.
Hugo is conducting an audit of a branch office claims operation. He is
evaluating timeliness of reports, number of files opened, proper releases
COPYRIGHT©PROFFKERRYMARTIN 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE.
PRIVACY STATEMENT. ALL RIGHTS RESERVED
, taken, and accuracy of data entry. Which one of Hugo's metrics is a
qualitative audit factor?
Select one:
A. Proper releases taken
B. Timeliness of reports
C. Number of files opened
D. Accuracy of data entry - 🧠 ANSWER ✔✔A. Proper releases taken
Proper releases taken is a qualitative audit factor; the others are
quantitative.
Aaron works for a multi-line insurer. He works with insurance producers
and applicants to evaluate new business submissions and conduct renewal
underwriting. Aaron is a
Select one:
A. Staff underwriter.
B. Public underwriter.
C. Personal lines underwriter.
