Los Angeles Claims Adjuster Property and Causality Practice Exam

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Prepare for the Los Angeles Claims Adjuster Exam in Property and Causality. Study using flashcards and multiple choice questions with detailed explanations. Master your exam!

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What is the adjuster's responsibility when a claim is received?

To process the claim immediately
To gather a list of witnesses
To verify the type of coverage applicable
To offer a settlement amount

The correct answer is: To verify the type of coverage applicable

When a claim is received, the adjuster's responsibility includes verifying the type of coverage applicable to the situation. This step is crucial, as it establishes whether the claimed event falls under the terms of the insurance policy. Understanding the details of the coverage can help the adjuster determine if the claim is legitimate and what the insurer's obligation is regarding payment. This verification process includes reviewing the policy details, understanding the coverage limits, and confirming what specific incidents or damages are included under the terms. Only after confirming appropriate coverage can further actions, such as processing the claim or settling the claim, be appropriately addressed. Ensuring coverage is rightfully pivotal to the entire claims process since it influences subsequent steps, including investigations or negotiations.