AIC 300 CLAIMS IN AN EVOLVING WORLD EXAM, PRACTICE EXAM AND STUDY
GUIDE 2025-2026 NEW VERSION UPDATE ACTUAL EXAM QUESTIONS AND
CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) 100% PASS
SOLUTION/ALREADY GRADED A+
As methods of communication evolve, it's important for claims professionals to remember t
hat any written claims communication may be
Select one:
A. Replaced with verbal communication.
B. Misinterpreted.
C. Edited later.
D. Subpoenaed. - ANSWER>>Any written claims communication may be subpoenaed.
If a claim is complex, or if settlement negotiations are not progressing with the insurer, th
e insured may hire a public adjuster to protect his or her interests. -
ANSWER>>In which one of the following scenarios is a public adjuster most likely to beco
me 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.
Some will also send a copy via regular mail in case the certified letter is not accepted. -
ANSWER>>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
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.
Proper releases taken is a qualitative audit factor; the others are quantitative. -
ANSWER>>Hugo is conducting an audit of a branch office claims operation. He is evaluatin
g timeliness of reports, number of files opened, proper releases taken, and accuracy of dat
a 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
Line underwriter. This describes the duties of a line underwriter, rather than a staff under
writer. There is not enough information to determine which line of business is being writte
n. A public underwriter does not exist. Line underwriters evaluate new submissions and per
form renewal underwriting, usually by working directly with insurance producers and applic
ants. Staff underwriters, meanwhile, manage risk selection by working with line
,underwriters L and L coordinating L decisions L about L products, L pricing L and L guidelines. L -
LANSWER>>Aaron L works L for L a L multi-
line L insurer. L He L works L with L insurance L producers L and L applicants Lto Levaluate Lnew
L business Lsu Lbmissions Land L conduct Lrenewal Lunderwriting. LAaron L is La
Select L one:
A. L Staff L underwriter.
B. L Public L underwriter.
C. L Personal L lines L underwriter.
D. L Line L underwriter.
Claims Lprofessionals L should L first L listen L carefully Lto L understand L what L the Lclaimant L is
L saying. L - LANSWER>>The L first L key L to L communicating L empathetically L as L a L claims
L professional L is
Select L one:
A. L A L comprehensive L understanding L of L relevant L insurance L policies.
B. L Speaking L calmly L and L clearly.
C. L Being L prepared L with L all L documentation L relating L to L the L claim.
D. L Listening.
Cost Lto Linvestigate, Ldefend, Land Lsettle Lclaims. LLAE Lis Lthe Lexpense Lthat Lan Linsurer Lincurs
Lto Linvestigate, Ldefend, Land Lsettle Lclaims Laccording Lto Lthe Lterms Lspecified Lin Lthe
Linsurance Lpoli L cy. L -
ANSWER>>Mia Ltracks Lloss Ladjustment Lexpense L(LAE) Las Lpart Lof Lher Lmanagement Lof Lthe
Lcl Laims L department L for L an L insurer. L Mia L considers L LAE L to L be L the
Select L one:
A. L Total L amount L of L loss L reserves L of L all L claims.
B. L Paid L portion L of L claims.
C. L Cost L to L investigate, L defend, L and L settle L claims.
D. L Total L incurred L amount L of L claims.
, Claim L reps L collaborate Lwith L more Lthan L other L insurer L employees. LMany Linsurers
L employ L a L p Lanel L of L experts L that L the L claims L rep L can L select L according L to L the
L investigation's L needs. L - LANSWER>>In L her L role L with L an L insurer, L Katarina L has
L opportunity L to L collaborate L with L not L on Lly L employees Lfrom L her L company, L but L also
L external L experts L with L particular L expertise. L For L ex Lample, L as L part L of L her
L investigation, L she L hired L an L engineer L to L conduct L a L review L of L a L machin Le L that
L was L involved L in L a L personal L injury. L Katarina L is L a(n)
Select L one:
A. L Medical L provider.
B. L Expert L Witness.
C. L Premium L auditor.
D. L Claim L representative.
Open-ended L questions L can L be L used L to L clarify L an L interviewee's L statements. L -
LANSWER>>When L Mehmet L interviews L witnesses L as L part L of L his L claims L investigation,
L he Lasks Ldifferent L types L of L questions L based L on L need, L such L as L open-
ended, Ldirect, Lindirect, Land Lleading. LWhich Ltype Lof Lquestion Lshould LMehmet Lask Lwhen Lhe
Lw L ants L to L set L the L interviewee L at L ease L and L he L is L looking L for L explanation L or
L elaboration L of L detai Lls L in L the Linterviewee's L own L words?
Select L one:
A. L Open-ended
B. L Direct
C. L Indirect
D. L Leading
D. L Large L loss L report.
GUIDE 2025-2026 NEW VERSION UPDATE ACTUAL EXAM QUESTIONS AND
CORRECT DETAILED ANSWERS (VERIFIED ANSWERS) 100% PASS
SOLUTION/ALREADY GRADED A+
As methods of communication evolve, it's important for claims professionals to remember t
hat any written claims communication may be
Select one:
A. Replaced with verbal communication.
B. Misinterpreted.
C. Edited later.
D. Subpoenaed. - ANSWER>>Any written claims communication may be subpoenaed.
If a claim is complex, or if settlement negotiations are not progressing with the insurer, th
e insured may hire a public adjuster to protect his or her interests. -
ANSWER>>In which one of the following scenarios is a public adjuster most likely to beco
me 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.
Some will also send a copy via regular mail in case the certified letter is not accepted. -
ANSWER>>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
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.
Proper releases taken is a qualitative audit factor; the others are quantitative. -
ANSWER>>Hugo is conducting an audit of a branch office claims operation. He is evaluatin
g timeliness of reports, number of files opened, proper releases taken, and accuracy of dat
a 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
Line underwriter. This describes the duties of a line underwriter, rather than a staff under
writer. There is not enough information to determine which line of business is being writte
n. A public underwriter does not exist. Line underwriters evaluate new submissions and per
form renewal underwriting, usually by working directly with insurance producers and applic
ants. Staff underwriters, meanwhile, manage risk selection by working with line
,underwriters L and L coordinating L decisions L about L products, L pricing L and L guidelines. L -
LANSWER>>Aaron L works L for L a L multi-
line L insurer. L He L works L with L insurance L producers L and L applicants Lto Levaluate Lnew
L business Lsu Lbmissions Land L conduct Lrenewal Lunderwriting. LAaron L is La
Select L one:
A. L Staff L underwriter.
B. L Public L underwriter.
C. L Personal L lines L underwriter.
D. L Line L underwriter.
Claims Lprofessionals L should L first L listen L carefully Lto L understand L what L the Lclaimant L is
L saying. L - LANSWER>>The L first L key L to L communicating L empathetically L as L a L claims
L professional L is
Select L one:
A. L A L comprehensive L understanding L of L relevant L insurance L policies.
B. L Speaking L calmly L and L clearly.
C. L Being L prepared L with L all L documentation L relating L to L the L claim.
D. L Listening.
Cost Lto Linvestigate, Ldefend, Land Lsettle Lclaims. LLAE Lis Lthe Lexpense Lthat Lan Linsurer Lincurs
Lto Linvestigate, Ldefend, Land Lsettle Lclaims Laccording Lto Lthe Lterms Lspecified Lin Lthe
Linsurance Lpoli L cy. L -
ANSWER>>Mia Ltracks Lloss Ladjustment Lexpense L(LAE) Las Lpart Lof Lher Lmanagement Lof Lthe
Lcl Laims L department L for L an L insurer. L Mia L considers L LAE L to L be L the
Select L one:
A. L Total L amount L of L loss L reserves L of L all L claims.
B. L Paid L portion L of L claims.
C. L Cost L to L investigate, L defend, L and L settle L claims.
D. L Total L incurred L amount L of L claims.
, Claim L reps L collaborate Lwith L more Lthan L other L insurer L employees. LMany Linsurers
L employ L a L p Lanel L of L experts L that L the L claims L rep L can L select L according L to L the
L investigation's L needs. L - LANSWER>>In L her L role L with L an L insurer, L Katarina L has
L opportunity L to L collaborate L with L not L on Lly L employees Lfrom L her L company, L but L also
L external L experts L with L particular L expertise. L For L ex Lample, L as L part L of L her
L investigation, L she L hired L an L engineer L to L conduct L a L review L of L a L machin Le L that
L was L involved L in L a L personal L injury. L Katarina L is L a(n)
Select L one:
A. L Medical L provider.
B. L Expert L Witness.
C. L Premium L auditor.
D. L Claim L representative.
Open-ended L questions L can L be L used L to L clarify L an L interviewee's L statements. L -
LANSWER>>When L Mehmet L interviews L witnesses L as L part L of L his L claims L investigation,
L he Lasks Ldifferent L types L of L questions L based L on L need, L such L as L open-
ended, Ldirect, Lindirect, Land Lleading. LWhich Ltype Lof Lquestion Lshould LMehmet Lask Lwhen Lhe
Lw L ants L to L set L the L interviewee L at L ease L and L he L is L looking L for L explanation L or
L elaboration L of L detai Lls L in L the Linterviewee's L own L words?
Select L one:
A. L Open-ended
B. L Direct
C. L Indirect
D. L Leading
D. L Large L loss L report.
