©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
Progressive Florida Claims Adjuster Exam Practice
Questions and Answers
Claim - Ans:✔✔-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? - Ans:✔✔-Peace of mind
Why is insurance such a unique product? - Ans:✔✔-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? -
Ans:✔✔-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 - Ans:✔✔-Trust
What would Joe do as an adjuster? - Ans:✔✔-INVESTIGATE, EVALUATE, AND SETTLE INSURANCE CLAIMS
ON BEHALF OF AN INSURER OR INSURED.
Page 1/53
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
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? - Ans:✔✔-
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? - Ans:✔✔-A
company/staff adjuster
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? - Ans:✔✔-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 -
Ans:✔✔-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? - Ans:✔✔-Worker's
compensation
Page 2/53
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
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? - Ans:✔✔-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 - Ans:✔✔-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? -
Ans:✔✔-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? - Ans:✔✔-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? - Ans:✔✔-Fiduciary responsibility
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? - Ans:✔✔-Agency: the power to bind
Page 3/53
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
Which of the following is NOT one of the basic adjusting functions? - Ans:✔✔-Inspection
Which of the following best describes the functions of claims evaluation? - Ans:✔✔-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? - Ans:✔✔-No release "walk away"
True or false; an adjuster's claim file is considered "work product" and therefore confidential - Ans:✔✔-
False
The main components of the investigative process are: - Ans:✔✔-Inquiry verification and comparison
The adjusters code of ethics starts with a basic premise, which states: - Ans:✔✔-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? - Ans:✔✔-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? - Ans:✔✔-The adjuster
Page 4/53
FIRST PUBLISH OCTOBER 2024
Progressive Florida Claims Adjuster Exam Practice
Questions and Answers
Claim - Ans:✔✔-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? - Ans:✔✔-Peace of mind
Why is insurance such a unique product? - Ans:✔✔-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? -
Ans:✔✔-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 - Ans:✔✔-Trust
What would Joe do as an adjuster? - Ans:✔✔-INVESTIGATE, EVALUATE, AND SETTLE INSURANCE CLAIMS
ON BEHALF OF AN INSURER OR INSURED.
Page 1/53
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
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? - Ans:✔✔-
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? - Ans:✔✔-A
company/staff adjuster
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? - Ans:✔✔-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 -
Ans:✔✔-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? - Ans:✔✔-Worker's
compensation
Page 2/53
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
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? - Ans:✔✔-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 - Ans:✔✔-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? -
Ans:✔✔-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? - Ans:✔✔-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? - Ans:✔✔-Fiduciary responsibility
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? - Ans:✔✔-Agency: the power to bind
Page 3/53
, ©GRACEAMELIA 2024/2025 ACADEMIC YEAR. ALL RIGHTS RESERVED
FIRST PUBLISH OCTOBER 2024
Which of the following is NOT one of the basic adjusting functions? - Ans:✔✔-Inspection
Which of the following best describes the functions of claims evaluation? - Ans:✔✔-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? - Ans:✔✔-No release "walk away"
True or false; an adjuster's claim file is considered "work product" and therefore confidential - Ans:✔✔-
False
The main components of the investigative process are: - Ans:✔✔-Inquiry verification and comparison
The adjusters code of ethics starts with a basic premise, which states: - Ans:✔✔-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? - Ans:✔✔-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? - Ans:✔✔-The adjuster
Page 4/53
