Connecticut Adjuster Exam questions and
Correct Answers (Verified Answers) Plus
Rationales 2026 Q&A | Instant Download Pdf
1. An insurance adjuster’s primary responsibility is to:
a. Sell insurance policies
b. Investigate, evaluate, and settle claims
c. Set premium rates
d. Draft insurance contracts
b. Investigate, evaluate, and settle claims
Adjusters handle claims by investigating losses, evaluating
coverage, and determining settlements.
2. Which type of insurance covers sudden and accidental damage to
property?
a. Liability
b. Health
c. Property
d. Life
c. Property
Property insurance protects against physical damage to buildings,
contents, or other property.
3. The process of determining the value of a claim is called:
a. Underwriting
b. Adjustment
c. Risk management
d. Reinsurance
b. Adjustment
, Adjustment involves analyzing the claim and calculating the
appropriate payment.
4. A claim filed by someone who is not the insured but is injured by
the insured is called:
a. First-party claim
b. Third-party claim
c. Subrogation claim
d. No-fault claim
b. Third-party claim
Third-party claims involve an injured party seeking compensation
from the insured.
5. An adjuster notices signs of fraud in a claim. The adjuster should:
a. Approve the claim immediately
b. Report the suspicion to the insurance company
c. Ignore the suspicion
d. Settle the claim without investigation
b. Report the suspicion to the insurance company
Insurance fraud must be reported so it can be investigated
properly.
6. In property insurance, the amount the insured must pay before
coverage applies is called:
a. Premium
b. Deductible
c. Co-insurance
d. Endorsement
b. Deductible
Deductibles are the portion of a loss that the insured is responsible
for before the insurer pays.
,7. Which of the following is a duty of an adjuster during an
investigation?
a. Collect evidence
b. Deny all claims automatically
c. Set insurance rates
d. Issue policies
a. Collect evidence
Evidence collection is essential to determine the validity and value
of a claim.
8. The principle that requires the insured to be restored to their
original financial position after a loss is called:
a. Indemnity
b. Subrogation
c. Risk transfer
d. Moral hazard
a. Indemnity
Indemnity ensures that insurance compensates the insured for
losses without profit.
9. An adjuster handling a claim for a homeowner’s fire loss should:
a. Inspect the damaged property
b. Automatically approve repairs
c. Avoid contacting the insured
d. Refuse to document damages
a. Inspect the damaged property
Property inspection allows the adjuster to assess the extent of
damage accurately.
10. When an adjuster pays a claim and then seeks
reimbursement from the responsible party, this process is called:
a. Underwriting
, b. Subrogation
c. Indemnity
d. Appraisal
b. Subrogation
Subrogation allows the insurer to recover costs from a third party
who caused the loss.
11. The term “liability insurance” refers to coverage that:
a. Protects the insured’s property
b. Pays for bodily injury or property damage to others
c. Pays the insured’s medical bills
d. Covers the insured’s life
b. Pays for bodily injury or property damage to others
Liability insurance covers the insured’s legal responsibility for
harm caused to others.
12. In claims terminology, “exposure” refers to:
a. The amount of damage
b. The potential for loss
c. The type of coverage
d. The deductible amount
b. The potential for loss
Exposure measures the risk the insurer faces in providing
coverage.
13. Which type of adjuster is typically employed by one
insurance company?
a. Independent adjuster
b. Staff adjuster
c. Public adjuster
d. Appraisal adjuster
Correct Answers (Verified Answers) Plus
Rationales 2026 Q&A | Instant Download Pdf
1. An insurance adjuster’s primary responsibility is to:
a. Sell insurance policies
b. Investigate, evaluate, and settle claims
c. Set premium rates
d. Draft insurance contracts
b. Investigate, evaluate, and settle claims
Adjusters handle claims by investigating losses, evaluating
coverage, and determining settlements.
2. Which type of insurance covers sudden and accidental damage to
property?
a. Liability
b. Health
c. Property
d. Life
c. Property
Property insurance protects against physical damage to buildings,
contents, or other property.
3. The process of determining the value of a claim is called:
a. Underwriting
b. Adjustment
c. Risk management
d. Reinsurance
b. Adjustment
, Adjustment involves analyzing the claim and calculating the
appropriate payment.
4. A claim filed by someone who is not the insured but is injured by
the insured is called:
a. First-party claim
b. Third-party claim
c. Subrogation claim
d. No-fault claim
b. Third-party claim
Third-party claims involve an injured party seeking compensation
from the insured.
5. An adjuster notices signs of fraud in a claim. The adjuster should:
a. Approve the claim immediately
b. Report the suspicion to the insurance company
c. Ignore the suspicion
d. Settle the claim without investigation
b. Report the suspicion to the insurance company
Insurance fraud must be reported so it can be investigated
properly.
6. In property insurance, the amount the insured must pay before
coverage applies is called:
a. Premium
b. Deductible
c. Co-insurance
d. Endorsement
b. Deductible
Deductibles are the portion of a loss that the insured is responsible
for before the insurer pays.
,7. Which of the following is a duty of an adjuster during an
investigation?
a. Collect evidence
b. Deny all claims automatically
c. Set insurance rates
d. Issue policies
a. Collect evidence
Evidence collection is essential to determine the validity and value
of a claim.
8. The principle that requires the insured to be restored to their
original financial position after a loss is called:
a. Indemnity
b. Subrogation
c. Risk transfer
d. Moral hazard
a. Indemnity
Indemnity ensures that insurance compensates the insured for
losses without profit.
9. An adjuster handling a claim for a homeowner’s fire loss should:
a. Inspect the damaged property
b. Automatically approve repairs
c. Avoid contacting the insured
d. Refuse to document damages
a. Inspect the damaged property
Property inspection allows the adjuster to assess the extent of
damage accurately.
10. When an adjuster pays a claim and then seeks
reimbursement from the responsible party, this process is called:
a. Underwriting
, b. Subrogation
c. Indemnity
d. Appraisal
b. Subrogation
Subrogation allows the insurer to recover costs from a third party
who caused the loss.
11. The term “liability insurance” refers to coverage that:
a. Protects the insured’s property
b. Pays for bodily injury or property damage to others
c. Pays the insured’s medical bills
d. Covers the insured’s life
b. Pays for bodily injury or property damage to others
Liability insurance covers the insured’s legal responsibility for
harm caused to others.
12. In claims terminology, “exposure” refers to:
a. The amount of damage
b. The potential for loss
c. The type of coverage
d. The deductible amount
b. The potential for loss
Exposure measures the risk the insurer faces in providing
coverage.
13. Which type of adjuster is typically employed by one
insurance company?
a. Independent adjuster
b. Staff adjuster
c. Public adjuster
d. Appraisal adjuster
