Connecticut Adjuster EXAM 2026-2027 LATEST
VERSION QUESTIONS AND VERIFIED CORRECT
ANSWERS JUST RELEASED
What is extended non-owned liability coverage? - answer>>>Coverage to vehicles that
are furnished for regular use. This would be for like a take home work vehicle.
Where is the typical territory for policy contracts? - answer>>>The Standard Territorial
Definition (STD) includes the U.S., its possessions and territories, and Canada.
What are the 4 parts of legal liability? - answer>>>-Duty owed
-Breach of Duty
-Proximate cause
-Damages
What is a tortfeasor? Joint Tortfeasors? - answer>>>A wrongdoer; Someone who
commits a wrong.
Two or more parties at fault for a loss.
What is Joint and Several Liability? - answer>>>If you are owed damages by 2 or more
people you can choose to recover all of your damages from one of them and then they
would work out the payment between them.
What is Common law? - answer>>>Unwritten laws that are based on customs and
unwritten, as well as prior court cases/precedent -This type of law CAN change due to
shifting customs.
What is the first thing an adjuster should do on each claim? - answer>>>Verify coverage.
If no coverage, there is nothing more to investigate.
Adjusters can verify coverage by? - answer>>>-Reviewing declaration pages
-Consulting underwriting
We cannot use the insured's opinion.
What is needed to verify coverage? - answer>>>Policy effective dates and claim info.
Are police reports required? What are they used for? - answer>>>We do not need the
police report. It can be used to verify date of loss, but we don't always need it to verify.
, What is the purpose of knowing the date of the accident? - answer>>>Verify it occurred
during the policy effective dates.
Why do we speak with witnessess? - answer>>>Verify date/time and the
insured/claimants account of the loss.
What does an adjuster do if an investigation reveals there is no coverage? -
answer>>>Cease the investigation. If there is no coverage, there is nothing further to be
done.
How to determine the value of a total loss vehicle? - answer>>>The insurance company
must use NADA (National Auto Dealer Association) publication and one other DOI
approved resource.
What is the NICB? - answer>>>National Insurance Crime Bureau. Used to help prevent
and catch insurance fraud.
When must insurance companies report to the NICB? - answer>>>All vehicle thefts and
fires.
What are some unfair claims settlement practices? - answer>>>- Refusing to settle
property damage portion of a claim until the claimant accepts offer for injury portion.
- Refusing to pay what a claim is worth.
Refusing to pay without investigation.
- Failing to explain why a denial was made.
Rules for claims involving a minor? - answer>>>Can only settle with either
parent/guardian or appointed attorney. Minors CANNOT sign official documents.
What do we do if claimant says they have an attorney? - answer>>>- Request Letter of
Representation. (LOR)
- If the attorney doesn't send it, we can still settle with claimant.
- Once we have the LOR we CANNOT speak to claimant without permission from the
attorney.
What do we do if they say they fired their attorney? - answer>>>We should request a
drop or withdrawal letter. We cannot take their word for it.
What are the types of damages paid under liability coverages? - answer>>>-
Compensatory: General and Special damages
- Punitive damages
VERSION QUESTIONS AND VERIFIED CORRECT
ANSWERS JUST RELEASED
What is extended non-owned liability coverage? - answer>>>Coverage to vehicles that
are furnished for regular use. This would be for like a take home work vehicle.
Where is the typical territory for policy contracts? - answer>>>The Standard Territorial
Definition (STD) includes the U.S., its possessions and territories, and Canada.
What are the 4 parts of legal liability? - answer>>>-Duty owed
-Breach of Duty
-Proximate cause
-Damages
What is a tortfeasor? Joint Tortfeasors? - answer>>>A wrongdoer; Someone who
commits a wrong.
Two or more parties at fault for a loss.
What is Joint and Several Liability? - answer>>>If you are owed damages by 2 or more
people you can choose to recover all of your damages from one of them and then they
would work out the payment between them.
What is Common law? - answer>>>Unwritten laws that are based on customs and
unwritten, as well as prior court cases/precedent -This type of law CAN change due to
shifting customs.
What is the first thing an adjuster should do on each claim? - answer>>>Verify coverage.
If no coverage, there is nothing more to investigate.
Adjusters can verify coverage by? - answer>>>-Reviewing declaration pages
-Consulting underwriting
We cannot use the insured's opinion.
What is needed to verify coverage? - answer>>>Policy effective dates and claim info.
Are police reports required? What are they used for? - answer>>>We do not need the
police report. It can be used to verify date of loss, but we don't always need it to verify.
, What is the purpose of knowing the date of the accident? - answer>>>Verify it occurred
during the policy effective dates.
Why do we speak with witnessess? - answer>>>Verify date/time and the
insured/claimants account of the loss.
What does an adjuster do if an investigation reveals there is no coverage? -
answer>>>Cease the investigation. If there is no coverage, there is nothing further to be
done.
How to determine the value of a total loss vehicle? - answer>>>The insurance company
must use NADA (National Auto Dealer Association) publication and one other DOI
approved resource.
What is the NICB? - answer>>>National Insurance Crime Bureau. Used to help prevent
and catch insurance fraud.
When must insurance companies report to the NICB? - answer>>>All vehicle thefts and
fires.
What are some unfair claims settlement practices? - answer>>>- Refusing to settle
property damage portion of a claim until the claimant accepts offer for injury portion.
- Refusing to pay what a claim is worth.
Refusing to pay without investigation.
- Failing to explain why a denial was made.
Rules for claims involving a minor? - answer>>>Can only settle with either
parent/guardian or appointed attorney. Minors CANNOT sign official documents.
What do we do if claimant says they have an attorney? - answer>>>- Request Letter of
Representation. (LOR)
- If the attorney doesn't send it, we can still settle with claimant.
- Once we have the LOR we CANNOT speak to claimant without permission from the
attorney.
What do we do if they say they fired their attorney? - answer>>>We should request a
drop or withdrawal letter. We cannot take their word for it.
What are the types of damages paid under liability coverages? - answer>>>-
Compensatory: General and Special damages
- Punitive damages
