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