PROGRESSIVE FLORIDA CLAIMS
ADJUSTER EXAM NEWEST 2026/2027
ACTUAL EXAM| REAL EXAM WITH 300
QUESTIONS AND CORRECT
ANSWERS (VERIFIED ANSWERS)
ALREADY GRADED A+|| NEW!!
1. Claimm-
mCORRECTmANSWERmAnmassertionmofmanmallegedmlegalmrightmagainstmamperson,mentity,mco
mpanymorminsurermthatmcarriesmwithmitmamdemandmformmoneymasmcompensationmforminjuri
esmormdamage
2. Whatmaremyoumreallymbuyingmwhenmyoumpurchaseminsurance?m-
mCORRECTmANSWERmPeacemofmmind
3. Whymisminsurancemsuchmamuniquemproduct?m-
mCORRECTmANSWERmItmismamfinancialmproduct.mThempurchasemofmampromisembasemtotallymo
nmtrustmthatmismabsolutelymessentialminmtoday'smworld.
4. Firstmforemostmandmalwaysmwhatmismanmadjuster'smmostmimportantmobjectiveminmtoday'smw
orldmofminsurance?m-
mCORRECTmANSWERmTomhelpmthosemwhomhavembeenminjured,mormwhomhavemsufferedmamlos
smthatmismcoveredmbymtheminsurancemcontractmormformwhichmanminsuredmpolicymholdermismre
sponsiblemwhilematmthemsamemtimemminimizingmlossmformtheminsuredmpartymandmormcarrier
5. Inmtoday'smsociety,mthemmostmimportantmfactorminmthempurchasemofminsurancemism-
mCORRECTmANSWERmTrust
,6. WhatmwouldmJoemdomasmanmadjuster?m-
mCORRECTmANSWERmINVESTIGATE,mEVALUATE,mANDmSETTLEmINSURANCEmCLAIMSmONmBE
HALFmOFmANmINSURERmORmINSURED.
7. Joemsawmanmadminmthempaper.....mdifferencembetweenmanmadjustermwhomworksminmthemhealt
hcaremindustrymversusmanmadjusterminmthemproperty/casualty,minsurancemindustry.mWhatm
wouldmyoumsay?m-
mCORRECTmANSWERmHealthcaremadjustersmaremprocessors,mwhomreimbursemmedicalmbillsm
ifmtheymfallmwithinmamlistmofmapprovedmconditionsmormtreatment.mAmproperty/casualtymadju
stermevaluatesmamlegalmresponsibilities,mdeterminesmwhatmormhowmmuchmismowedmandmpay
smormsettlesmclaims.
8. IfmJoe,mwheremtomgomtomworkmformanminsurancemcompany,mwhatmkindmofmadjustermwithmJoe
mbe?m-mCORRECTmANSWERmAmcompany/staffmadjuster
9. Joemismreallymintriguedmbymhismneighborsmworkmandmaskmhimmwhomhemworksmfor.mHismneigh
bormtoldmhimmthatmhemownsmhismownmadjustingmcompanymandmadjustmclaimsmaremseveralmd
ifferentmcompanies.mInmothermwordsmhemtakesmclaimmassignmentsmfrommwhoevermcalls.mW
hatmkindmofmadjustermismhe?m-mCORRECTmANSWERmAnmindependentmadjuster
10. Joe'smneighbormtellsmhimmthatmfieldmadjustingmism"thembestmjobminmtheminsurancemindustry"
.mJoemdoesn'tmenvisionmhimselfmsittingmbehindmamdesk,msomhemismintriguedmbymthismasmwellm
andmwhitemlinesmofmbusinessmbusinessmwithmJoemneedmtomexperiencemtomhavemthemgreates
tmchancemofmgettingmamgoodmfieldmadjustingmjobm-mCORRECTmANSWERmMulti-linemadjusting
11. Joemsistermismamnursemwhomworksminmamnearbymhospital.mAsmhemtalksmtomhermaboutmhisminte
rest,mshemaskedmhimmwhatmtypemofmadjustingmshemwouldmbemmostmqualifiedmformifmshemwer
eminterested,mwhichmkindmofmadjustingmwouldmpresentmhermwithmthemgreatestmopportunity
?mWhatmwouldmyoumtellmher?m-mCORRECTmANSWERmWorker'smcompensation
,12. Joe'smneighbormtoldmhimmthatmhemreallymprefersmworkingmwithmlitigatedmclaimsmdealingmwit
hmthemlawyers,mgettingmitminmnegotiationsmandmgoingmtomdepositionsmandmtrials.mWhatmkin
dmofmclaimsmdoesmJoe'smneighbormprefer?m-mCORRECTmANSWERmLiabilitymadjusting
13. IfmJoe,mwe'remjustmstrictlymhandle,mhurricanemtornadomhellfire,mandmothermclaimsmofmthismn
ature,mwhatmlinemofmbusinessmwouldmJoembemadjustingm-mCORRECTmANSWERmProperty
14. Whilemdrivingmhomemfrommanminterview,mJoemwasmrearmended.mHe'smnotminjuredmsomhemm
akesmamclaimmagainstmthemothermdriversminsurancempolicymformdamagesmtomhismvehicle.mTh
empersonmtakingmthemclaimmadvisesmJoemthatmhemwillmbemcontactedmwithinm24mhoursmbyman
madjuster.mFrommwhatmtypemofmadjustermwillmJoemlikelymhear?m-
mCORRECTmANSWERmAnmautomphysicalmdamagemadjuster
15. ThemclaimsmmanagermtoldmJoemamstorymofmonemofmthembestmadjustersmhemhadmevermknown,
mandmhowmhemhadmbeenmforcedmtomfiremthemmanmbecausemhemjustmwouldmnotmdocumentmt
omcleanmfilesmwithmongoingmstatus.mWhatmkindmofmresponsibilitymdidmthemadjustermfailmtomf
ulfill?m-mCORRECTmANSWERmCommunicatingmandmreporting
16. ThemclaimsmmanagermthenmtoldmJoemamstorymaboutmonemadjustermwhommademamdealmwithm
ambodymshopmtompaymthemadjusterm$100mformeverymdamagedmautomobilemthatmhemreferred
,mreferredmformrepair.mThemadjustermismultimatelymfired.mWhatmresponsibilitymdidmthatmadju
stermfailmtomfulfill?m-mCORRECTmANSWERmFiduciarymresponsibility
17. Themclaimsmmanagermalsomtoldmaboutmamyoungmadjustermwhomlostmhismtempermandmcursed
moutmanminsuredmpolicyholder.mHemwasmarguingmaboutmamclaimmthemadjustermhasmdenied.mT
heminsuredmpolicyholdermsuedmthemcompanymandmcollectedm$50,000mformslanderminmtheme
mbarrassmentmcausedmtheminsuredmwhatmresponsibilitymdidmthatmadjustermfailmtomfulfill?m-
mCORRECTmANSWERmAgency:mthempowermtombind
18. WhichmofmthemfollowingmismNOTmonemofmthembasicmadjustingmfunctions?m-
mCORRECTmANSWERmInspection
, 19. Whichmofmthemfollowingmbestmdescribesmthemfunctionsmofmclaimsmevaluation?m-
mCORRECTmANSWERmEstablishingmamdollarmvaluemformamclaim
20. Inmwhichmofmthemfollowingmsettlementmtypes,mwouldmyoumpaymwhatmismowedmandminvitemth
emclaimantmtomcontactmyoumwithmanymfurthermexpensesmormquestions?m-
mCORRECTmANSWERmNomreleasem"walkmaway"
21. Truemormfalse;manmadjuster'smclaimmfilemismconsideredm"workmproduct"mandmthereforemconfi
dentialm-mCORRECTmANSWERmFalse
22. Themmainmcomponentsmofmtheminvestigativemprocessmare:m-
mCORRECTmANSWERmInquirymverificationmandmcomparison
23. Themadjustersmcodemofmethicsmstartsmwithmambasicmpremise,mwhichmstates:m-
mCORRECTmANSWERmThemworkmofmadjustingmengagesmthempublicmtrust
24. WhichmofmthemfollowingmwouldmnotmbemampreferredmclaimsmpracticemormbehaviormundermFl
orida'smunfairminsurance,mtradempracticesmact?m-
mCORRECTmANSWERmNotmrespondingmtomanminsured'smcallsmbecausemyoumhaven'tmmademu
pmyourmmindmyet
25. Uponmconclusionmofmamclaims,minvestigationmandmadjustermdeterminesmifmtheremwasmnomco
verageminmeffectmformthemlossmandmdeniesmthemclaim.mThemadjustermlatermreceivedmnotificat
ionmthatmheminmthemcarriermbeingmsuedmduemtomamviolationmofmFlorida'smunfairminsurancemtr
adempracticesmact.mWhichmofmthemfollowingmactionsminmthemadjustersmclaimmhandlingmproc
essmwouldmbemconsideredmamviolationmofmthemact?m-
mCORRECTmANSWERmThemadjusterminformmthempolicyholdersmattorneymofmthemdenialmover
mthemphone,mclosedmthemfilemandmmovedmontomhismnextmcase
26. Whichmofmthemfollowingmismnotmonemofmthemfourmcriticalmelementsmofmamcontractm-
mCORRECTmANSWERmWrittenmevidencemofmthemagreementmandmitsmterms.
ADJUSTER EXAM NEWEST 2026/2027
ACTUAL EXAM| REAL EXAM WITH 300
QUESTIONS AND CORRECT
ANSWERS (VERIFIED ANSWERS)
ALREADY GRADED A+|| NEW!!
1. Claimm-
mCORRECTmANSWERmAnmassertionmofmanmallegedmlegalmrightmagainstmamperson,mentity,mco
mpanymorminsurermthatmcarriesmwithmitmamdemandmformmoneymasmcompensationmforminjuri
esmormdamage
2. Whatmaremyoumreallymbuyingmwhenmyoumpurchaseminsurance?m-
mCORRECTmANSWERmPeacemofmmind
3. Whymisminsurancemsuchmamuniquemproduct?m-
mCORRECTmANSWERmItmismamfinancialmproduct.mThempurchasemofmampromisembasemtotallymo
nmtrustmthatmismabsolutelymessentialminmtoday'smworld.
4. Firstmforemostmandmalwaysmwhatmismanmadjuster'smmostmimportantmobjectiveminmtoday'smw
orldmofminsurance?m-
mCORRECTmANSWERmTomhelpmthosemwhomhavembeenminjured,mormwhomhavemsufferedmamlos
smthatmismcoveredmbymtheminsurancemcontractmormformwhichmanminsuredmpolicymholdermismre
sponsiblemwhilematmthemsamemtimemminimizingmlossmformtheminsuredmpartymandmormcarrier
5. Inmtoday'smsociety,mthemmostmimportantmfactorminmthempurchasemofminsurancemism-
mCORRECTmANSWERmTrust
,6. WhatmwouldmJoemdomasmanmadjuster?m-
mCORRECTmANSWERmINVESTIGATE,mEVALUATE,mANDmSETTLEmINSURANCEmCLAIMSmONmBE
HALFmOFmANmINSURERmORmINSURED.
7. Joemsawmanmadminmthempaper.....mdifferencembetweenmanmadjustermwhomworksminmthemhealt
hcaremindustrymversusmanmadjusterminmthemproperty/casualty,minsurancemindustry.mWhatm
wouldmyoumsay?m-
mCORRECTmANSWERmHealthcaremadjustersmaremprocessors,mwhomreimbursemmedicalmbillsm
ifmtheymfallmwithinmamlistmofmapprovedmconditionsmormtreatment.mAmproperty/casualtymadju
stermevaluatesmamlegalmresponsibilities,mdeterminesmwhatmormhowmmuchmismowedmandmpay
smormsettlesmclaims.
8. IfmJoe,mwheremtomgomtomworkmformanminsurancemcompany,mwhatmkindmofmadjustermwithmJoe
mbe?m-mCORRECTmANSWERmAmcompany/staffmadjuster
9. Joemismreallymintriguedmbymhismneighborsmworkmandmaskmhimmwhomhemworksmfor.mHismneigh
bormtoldmhimmthatmhemownsmhismownmadjustingmcompanymandmadjustmclaimsmaremseveralmd
ifferentmcompanies.mInmothermwordsmhemtakesmclaimmassignmentsmfrommwhoevermcalls.mW
hatmkindmofmadjustermismhe?m-mCORRECTmANSWERmAnmindependentmadjuster
10. Joe'smneighbormtellsmhimmthatmfieldmadjustingmism"thembestmjobminmtheminsurancemindustry"
.mJoemdoesn'tmenvisionmhimselfmsittingmbehindmamdesk,msomhemismintriguedmbymthismasmwellm
andmwhitemlinesmofmbusinessmbusinessmwithmJoemneedmtomexperiencemtomhavemthemgreates
tmchancemofmgettingmamgoodmfieldmadjustingmjobm-mCORRECTmANSWERmMulti-linemadjusting
11. Joemsistermismamnursemwhomworksminmamnearbymhospital.mAsmhemtalksmtomhermaboutmhisminte
rest,mshemaskedmhimmwhatmtypemofmadjustingmshemwouldmbemmostmqualifiedmformifmshemwer
eminterested,mwhichmkindmofmadjustingmwouldmpresentmhermwithmthemgreatestmopportunity
?mWhatmwouldmyoumtellmher?m-mCORRECTmANSWERmWorker'smcompensation
,12. Joe'smneighbormtoldmhimmthatmhemreallymprefersmworkingmwithmlitigatedmclaimsmdealingmwit
hmthemlawyers,mgettingmitminmnegotiationsmandmgoingmtomdepositionsmandmtrials.mWhatmkin
dmofmclaimsmdoesmJoe'smneighbormprefer?m-mCORRECTmANSWERmLiabilitymadjusting
13. IfmJoe,mwe'remjustmstrictlymhandle,mhurricanemtornadomhellfire,mandmothermclaimsmofmthismn
ature,mwhatmlinemofmbusinessmwouldmJoembemadjustingm-mCORRECTmANSWERmProperty
14. Whilemdrivingmhomemfrommanminterview,mJoemwasmrearmended.mHe'smnotminjuredmsomhemm
akesmamclaimmagainstmthemothermdriversminsurancempolicymformdamagesmtomhismvehicle.mTh
empersonmtakingmthemclaimmadvisesmJoemthatmhemwillmbemcontactedmwithinm24mhoursmbyman
madjuster.mFrommwhatmtypemofmadjustermwillmJoemlikelymhear?m-
mCORRECTmANSWERmAnmautomphysicalmdamagemadjuster
15. ThemclaimsmmanagermtoldmJoemamstorymofmonemofmthembestmadjustersmhemhadmevermknown,
mandmhowmhemhadmbeenmforcedmtomfiremthemmanmbecausemhemjustmwouldmnotmdocumentmt
omcleanmfilesmwithmongoingmstatus.mWhatmkindmofmresponsibilitymdidmthemadjustermfailmtomf
ulfill?m-mCORRECTmANSWERmCommunicatingmandmreporting
16. ThemclaimsmmanagermthenmtoldmJoemamstorymaboutmonemadjustermwhommademamdealmwithm
ambodymshopmtompaymthemadjusterm$100mformeverymdamagedmautomobilemthatmhemreferred
,mreferredmformrepair.mThemadjustermismultimatelymfired.mWhatmresponsibilitymdidmthatmadju
stermfailmtomfulfill?m-mCORRECTmANSWERmFiduciarymresponsibility
17. Themclaimsmmanagermalsomtoldmaboutmamyoungmadjustermwhomlostmhismtempermandmcursed
moutmanminsuredmpolicyholder.mHemwasmarguingmaboutmamclaimmthemadjustermhasmdenied.mT
heminsuredmpolicyholdermsuedmthemcompanymandmcollectedm$50,000mformslanderminmtheme
mbarrassmentmcausedmtheminsuredmwhatmresponsibilitymdidmthatmadjustermfailmtomfulfill?m-
mCORRECTmANSWERmAgency:mthempowermtombind
18. WhichmofmthemfollowingmismNOTmonemofmthembasicmadjustingmfunctions?m-
mCORRECTmANSWERmInspection
, 19. Whichmofmthemfollowingmbestmdescribesmthemfunctionsmofmclaimsmevaluation?m-
mCORRECTmANSWERmEstablishingmamdollarmvaluemformamclaim
20. Inmwhichmofmthemfollowingmsettlementmtypes,mwouldmyoumpaymwhatmismowedmandminvitemth
emclaimantmtomcontactmyoumwithmanymfurthermexpensesmormquestions?m-
mCORRECTmANSWERmNomreleasem"walkmaway"
21. Truemormfalse;manmadjuster'smclaimmfilemismconsideredm"workmproduct"mandmthereforemconfi
dentialm-mCORRECTmANSWERmFalse
22. Themmainmcomponentsmofmtheminvestigativemprocessmare:m-
mCORRECTmANSWERmInquirymverificationmandmcomparison
23. Themadjustersmcodemofmethicsmstartsmwithmambasicmpremise,mwhichmstates:m-
mCORRECTmANSWERmThemworkmofmadjustingmengagesmthempublicmtrust
24. WhichmofmthemfollowingmwouldmnotmbemampreferredmclaimsmpracticemormbehaviormundermFl
orida'smunfairminsurance,mtradempracticesmact?m-
mCORRECTmANSWERmNotmrespondingmtomanminsured'smcallsmbecausemyoumhaven'tmmademu
pmyourmmindmyet
25. Uponmconclusionmofmamclaims,minvestigationmandmadjustermdeterminesmifmtheremwasmnomco
verageminmeffectmformthemlossmandmdeniesmthemclaim.mThemadjustermlatermreceivedmnotificat
ionmthatmheminmthemcarriermbeingmsuedmduemtomamviolationmofmFlorida'smunfairminsurancemtr
adempracticesmact.mWhichmofmthemfollowingmactionsminmthemadjustersmclaimmhandlingmproc
essmwouldmbemconsideredmamviolationmofmthemact?m-
mCORRECTmANSWERmThemadjusterminformmthempolicyholdersmattorneymofmthemdenialmover
mthemphone,mclosedmthemfilemandmmovedmontomhismnextmcase
26. Whichmofmthemfollowingmismnotmonemofmthemfourmcriticalmelementsmofmamcontractm-
mCORRECTmANSWERmWrittenmevidencemofmthemagreementmandmitsmterms.
