ADJUSTER CODE OF ETHICS EXAM QUESTIONS

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ADJUSTER CODE OF ETHICS EXAM QUESTIONS

Actual Qs and Ans Expert-Verified Explanation

This Exam contains:

-Guarantee passing score -15 Questions and Answers -format set of multiple-choice -Expert-Verified Explanation Question 1: Rule 9:

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Dealing with Attorneys Adjusters are strictly prohibited from dealing directly with a claimant who has hired an attorney, in order to circumvent the advice of that attorney Question 2: Rule 15:

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Competence An adjuster should not deal with a claim that he is not trained to take on Question 3: Rule 10:

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Interviewing Witnesses An adjuster can interview any witness, or prospective witness, without the consent of opposing counsel or party ? Adjusters must avoid any attempt to influence witnesses ?Witnesses have the right to a copy of any signed or recorded statements Question 4: Rule 7:

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Rule 7: Report Violations An adjuster must promptly report licensed insurance representatives who violate any insurance law, rule or order

Question 5: Rule 12:

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Traumatized Claimants Adjusters should not attempt to negotiate with, or obtain any statements from, claimants or witnesses who are in shock or under severe emotional distress Question 6: Rule 11:

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Right to Attorney An adjuster should not advise a claimant to refrain from seeking legal advice, or advise against the retention of counsel to protect the claimant's interest

Question 7: Rule 4

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Truthfulness: An adjuster must make truthful and unbiased reports of the facts after making a complete investigation Question 8: Rule 5:

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Honesty and Integrity An adjuster must handle every adjustment and settlement with honesty and integrity Question 9: Rule 14:

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Release Forms An adjuster should not draft any form of release, unless he has the insurer's written approval Question 10: Rule 3:

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Avoid Prejudice Adjusters must never be prejudiced in their investigations, adjustments, or settlements Question 11: Rule 13:

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Advising of Rights An adjuster must advise claimants of all their claim rights in accordance with the terms and conditions of the contract and of the applicable laws

Question 12: Rule 8:

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Be Careful with Elderly Claimants An adjuster should exercise extraordinary care when dealing with elderly clients: ? Take extra precautions to ensure they get a complete and fair settlement ? Do not let failing memory or impaired cognitive processes disadvantage the claimant ? Clarify the facts with the claimant's relatives or neighbors Question 13: Rule 2:

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Equal Treatment An adjuster must treat all claimants equally ? Do not favor your nice clients ? Do not disfavor your rude clients Question 14: Rule 1:

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Disclosure Adjusters must disclose all direct or indirect financial interest they have in adjusting a claim Question 15: Rule 6:

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Diligence and Dispatch An adjuster should act with speed and care in completing the adjusting process ? Every claim is important ? Failure to settle a claim in a timely manner can result in disciplinary action by the insurance commissioner