PROGRESSIVE FLORIDA CLAIMS ADJUSTER EXAM
QUIZZES WITH ACTUAL ANSWERS .
Claim - correct Answers -An assertion of an alleged legal right against a person, entity, company or
insurer that carries with it a demand for money as compensation for injuries or damage
What are you really buying when you purchase insurance? - correct Answers -Peace of mind
Why is insurance such a unique product? - correct Answers -It is a financial product. The purchase of a
promise base totally on trust that is absolutely essential in today's world.
First foremost and always what is an adjuster's most important objective in today's world of insurance? -
correct Answers -To help those who have been injured, or who have suffered a loss that is covered by
the insurance contract or for which an insured policy holder is responsible while at the same time
minimizing loss for the insured party and or carrier
In today's society, the most important factor in the purchase of insurance is - correct Answers -Trust
What would Joe do as an adjuster? - correct Answers -INVESTIGATE, EVALUATE, AND SETTLE INSURANCE
CLAIMS ON BEHALF OF AN INSURER OR INSURED.
Joe saw an ad in the paper..... difference between an adjuster who works in the healthcare industry
versus an adjuster in the property/casualty, insurance industry. What would you say? - correct Answers -
Healthcare adjusters are processors, who reimburse medical bills if they fall within a list of approved
conditions or treatment. A property/casualty adjuster evaluates a legal responsibilities, determines what
or how much is owed and pays or settles claims.
If Joe, where to go to work for an insurance company, what kind of adjuster with Joe be? - correct
Answers -A company/staff adjuster
1
,Joe is really intrigued by his neighbors work and ask him who he works for. His neighbor told him that he
owns his own adjusting company and adjust claims are several different companies. In other words he
takes claim assignments from whoever calls. What kind of adjuster is he? - correct Answers -An
independent adjuster
Joe's neighbor tells him that field adjusting is "the best job in the insurance industry". Joe doesn't
envision himself sitting behind a desk, so he is intrigued by this as well and white lines of business
business with Joe need to experience to have the greatest chance of getting a good field adjusting job -
correct Answers -Multi-line adjusting
Joe sister is a nurse who works in a nearby hospital. As he talks to her about his interest, she asked him
what type of adjusting she would be most qualified for if she were interested, which kind of adjusting
would present her with the greatest opportunity? What would you tell her? - correct Answers -Worker's
compensation
Joe's neighbor told him that he really prefers working with litigated claims dealing with the lawyers,
getting it in negotiations and going to depositions and trials. What kind of claims does Joe's neighbor
prefer? - correct Answers -Liability adjusting
If Joe, we're just strictly handle, hurricane tornado hellfire, and other claims of this nature, what line of
business would Joe be adjusting - correct Answers -Property
While driving home from an interview, Joe was rear ended. He's not injured so he makes a claim against
the other drivers insurance policy for damages to his vehicle. The person taking the claim advises Joe
that he will be contacted within 24 hours by an adjuster. From what type of adjuster will Joe likely hear?
- correct Answers -An auto physical damage adjuster
The claims manager told Joe a story of one of the best adjusters he had ever known, and how he had
been forced to fire the man because he just would not document to clean files with ongoing status.
What kind of responsibility did the adjuster fail to fulfill? - correct Answers -Communicating and
reporting
The claims manager then told Joe a story about one adjuster who made a deal with a body shop to pay
the adjuster $100 for every damaged automobile that he referred, referred for repair. The adjuster is
ultimately fired. What responsibility did that adjuster fail to fulfill? - correct Answers -Fiduciary
responsibility
2
,The claims manager also told about a young adjuster who lost his temper and cursed out an insured
policyholder. He was arguing about a claim the adjuster has denied. The insured policyholder sued the
company and collected $50,000 for slander in the embarrassment caused the insured what
responsibility did that adjuster fail to fulfill? - correct Answers -Agency: the power to bind
Which of the following is NOT one of the basic adjusting functions? - correct Answers -Inspection
Which of the following best describes the functions of claims evaluation? - correct Answers -Establishing
a dollar value for a claim
In which of the following settlement types, would you pay what is owed and invite the claimant to
contact you with any further expenses or questions? - correct Answers -No release "walk away"
True or false; an adjuster's claim file is considered "work product" and therefore confidential - correct
Answers -False
The main components of the investigative process are: - correct Answers -Inquiry verification and
comparison
The adjusters code of ethics starts with a basic premise, which states: - correct Answers -The work of
adjusting engages the public trust
Which of the following would not be a preferred claims practice or behavior under Florida's unfair
insurance, trade practices act? - correct Answers -Not responding to an insured's calls because you
haven't made up your mind yet
Upon conclusion of a claims, investigation and adjuster determines if there was no coverage in effect for
the loss and denies the claim. The adjuster later received notification that he in the carrier being sued
due to a violation of Florida's unfair insurance trade practices act. Which of the following actions in the
adjusters claim handling process would be considered a violation of the act? - correct Answers -The
adjuster inform the policyholders attorney of the denial over the phone, closed the file and moved onto
his next case
3
, Which of the following is not one of the four critical elements of a contract - correct Answers -Written
evidence of the agreement and its terms.
An insurance policy is often referred to as a contract of adhesion. This means: - correct Answers -If any
of the wording or language in the policy is vague or ambiguous, if the meaning of the wording is difficult
to understand or interpret, or if what is written can be interpreted to have different meanings, the law is
well settled that the interpretation shall be in favor of the party who did not control its terms...in this
case, the policyholder.
Breach of contract to buy a carrier or it's adjusters, through non-payment, or noncompliance with policy
requirements, could have which of the following consequences for a carrier: - correct Answers -If found
guilty of a breach of contract, the carrier could be punished with a bad faith verdict that would cost it
millions of dollars
Which of the following is not a fundamental part of an insurance policy: - correct Answers -endorsement
Which of the following is one of the duties of an insured following a loss? - correct Answers -giving
prompt notice of loss to the insurer
What is the difference between a peril and a hazard? - correct Answers -Apparel is a cause of loss like
fire. A hazard is a condition that exist beforehand that increases the likelihood of such a loss like a messy
store room or garage that contains lots of toxic chemicals, oily rags etc
The doctrine of proximate cause is defined as: - correct Answers -if there is an unbroken chain of events,
or series of consequences, flowing from the initial loss caused by the insured peril to a subsequent loss,
the insured peril causing the initial loss will be considered the "proximate cause" of the subsequent loss
A couple had Coverage A limits of $250K on their home located in FL. A tornado spawned by Hurricane
Ernesto damaged their roof resulting in estimated repair costs of $11,500. The adjuster deducted the FL
hurricane deductible of $5,000 from the estimate and paid them $6,500 in settlement of their property
claim. This is known as the application of: - correct Answers -a percentage deductible (hurricane
deductible)
A restaurant was damaged after a grease fire irrupt it in the kitchen. Damage to the structure total
$78,300 in law/damage to personal property totaled $14,000. The owners commercial property policy
4
QUIZZES WITH ACTUAL ANSWERS .
Claim - correct Answers -An assertion of an alleged legal right against a person, entity, company or
insurer that carries with it a demand for money as compensation for injuries or damage
What are you really buying when you purchase insurance? - correct Answers -Peace of mind
Why is insurance such a unique product? - correct Answers -It is a financial product. The purchase of a
promise base totally on trust that is absolutely essential in today's world.
First foremost and always what is an adjuster's most important objective in today's world of insurance? -
correct Answers -To help those who have been injured, or who have suffered a loss that is covered by
the insurance contract or for which an insured policy holder is responsible while at the same time
minimizing loss for the insured party and or carrier
In today's society, the most important factor in the purchase of insurance is - correct Answers -Trust
What would Joe do as an adjuster? - correct Answers -INVESTIGATE, EVALUATE, AND SETTLE INSURANCE
CLAIMS ON BEHALF OF AN INSURER OR INSURED.
Joe saw an ad in the paper..... difference between an adjuster who works in the healthcare industry
versus an adjuster in the property/casualty, insurance industry. What would you say? - correct Answers -
Healthcare adjusters are processors, who reimburse medical bills if they fall within a list of approved
conditions or treatment. A property/casualty adjuster evaluates a legal responsibilities, determines what
or how much is owed and pays or settles claims.
If Joe, where to go to work for an insurance company, what kind of adjuster with Joe be? - correct
Answers -A company/staff adjuster
1
,Joe is really intrigued by his neighbors work and ask him who he works for. His neighbor told him that he
owns his own adjusting company and adjust claims are several different companies. In other words he
takes claim assignments from whoever calls. What kind of adjuster is he? - correct Answers -An
independent adjuster
Joe's neighbor tells him that field adjusting is "the best job in the insurance industry". Joe doesn't
envision himself sitting behind a desk, so he is intrigued by this as well and white lines of business
business with Joe need to experience to have the greatest chance of getting a good field adjusting job -
correct Answers -Multi-line adjusting
Joe sister is a nurse who works in a nearby hospital. As he talks to her about his interest, she asked him
what type of adjusting she would be most qualified for if she were interested, which kind of adjusting
would present her with the greatest opportunity? What would you tell her? - correct Answers -Worker's
compensation
Joe's neighbor told him that he really prefers working with litigated claims dealing with the lawyers,
getting it in negotiations and going to depositions and trials. What kind of claims does Joe's neighbor
prefer? - correct Answers -Liability adjusting
If Joe, we're just strictly handle, hurricane tornado hellfire, and other claims of this nature, what line of
business would Joe be adjusting - correct Answers -Property
While driving home from an interview, Joe was rear ended. He's not injured so he makes a claim against
the other drivers insurance policy for damages to his vehicle. The person taking the claim advises Joe
that he will be contacted within 24 hours by an adjuster. From what type of adjuster will Joe likely hear?
- correct Answers -An auto physical damage adjuster
The claims manager told Joe a story of one of the best adjusters he had ever known, and how he had
been forced to fire the man because he just would not document to clean files with ongoing status.
What kind of responsibility did the adjuster fail to fulfill? - correct Answers -Communicating and
reporting
The claims manager then told Joe a story about one adjuster who made a deal with a body shop to pay
the adjuster $100 for every damaged automobile that he referred, referred for repair. The adjuster is
ultimately fired. What responsibility did that adjuster fail to fulfill? - correct Answers -Fiduciary
responsibility
2
,The claims manager also told about a young adjuster who lost his temper and cursed out an insured
policyholder. He was arguing about a claim the adjuster has denied. The insured policyholder sued the
company and collected $50,000 for slander in the embarrassment caused the insured what
responsibility did that adjuster fail to fulfill? - correct Answers -Agency: the power to bind
Which of the following is NOT one of the basic adjusting functions? - correct Answers -Inspection
Which of the following best describes the functions of claims evaluation? - correct Answers -Establishing
a dollar value for a claim
In which of the following settlement types, would you pay what is owed and invite the claimant to
contact you with any further expenses or questions? - correct Answers -No release "walk away"
True or false; an adjuster's claim file is considered "work product" and therefore confidential - correct
Answers -False
The main components of the investigative process are: - correct Answers -Inquiry verification and
comparison
The adjusters code of ethics starts with a basic premise, which states: - correct Answers -The work of
adjusting engages the public trust
Which of the following would not be a preferred claims practice or behavior under Florida's unfair
insurance, trade practices act? - correct Answers -Not responding to an insured's calls because you
haven't made up your mind yet
Upon conclusion of a claims, investigation and adjuster determines if there was no coverage in effect for
the loss and denies the claim. The adjuster later received notification that he in the carrier being sued
due to a violation of Florida's unfair insurance trade practices act. Which of the following actions in the
adjusters claim handling process would be considered a violation of the act? - correct Answers -The
adjuster inform the policyholders attorney of the denial over the phone, closed the file and moved onto
his next case
3
, Which of the following is not one of the four critical elements of a contract - correct Answers -Written
evidence of the agreement and its terms.
An insurance policy is often referred to as a contract of adhesion. This means: - correct Answers -If any
of the wording or language in the policy is vague or ambiguous, if the meaning of the wording is difficult
to understand or interpret, or if what is written can be interpreted to have different meanings, the law is
well settled that the interpretation shall be in favor of the party who did not control its terms...in this
case, the policyholder.
Breach of contract to buy a carrier or it's adjusters, through non-payment, or noncompliance with policy
requirements, could have which of the following consequences for a carrier: - correct Answers -If found
guilty of a breach of contract, the carrier could be punished with a bad faith verdict that would cost it
millions of dollars
Which of the following is not a fundamental part of an insurance policy: - correct Answers -endorsement
Which of the following is one of the duties of an insured following a loss? - correct Answers -giving
prompt notice of loss to the insurer
What is the difference between a peril and a hazard? - correct Answers -Apparel is a cause of loss like
fire. A hazard is a condition that exist beforehand that increases the likelihood of such a loss like a messy
store room or garage that contains lots of toxic chemicals, oily rags etc
The doctrine of proximate cause is defined as: - correct Answers -if there is an unbroken chain of events,
or series of consequences, flowing from the initial loss caused by the insured peril to a subsequent loss,
the insured peril causing the initial loss will be considered the "proximate cause" of the subsequent loss
A couple had Coverage A limits of $250K on their home located in FL. A tornado spawned by Hurricane
Ernesto damaged their roof resulting in estimated repair costs of $11,500. The adjuster deducted the FL
hurricane deductible of $5,000 from the estimate and paid them $6,500 in settlement of their property
claim. This is known as the application of: - correct Answers -a percentage deductible (hurricane
deductible)
A restaurant was damaged after a grease fire irrupt it in the kitchen. Damage to the structure total
$78,300 in law/damage to personal property totaled $14,000. The owners commercial property policy
4
