Economics > EXAM > Claims Adjuster Exam with 100% Correct Answers 2023 (All)

Claims Adjuster Exam with 100% Correct Answers 2023

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Claims Adjuster Exam with 100% Correct Answers 2023 Insurance - Correct answer--an economic device used to protect against extreme unforeseen loss - the transfer of risk from one party to another ... Premium - Correct answer--the fee paid by the insured in exchange for insurance Principle of Indemnity - Correct answer--the insurer should be restored to where they were before the incident -no profit can be made Idemnification - Correct answer--to compensate for loss or damage; to provide security for financial reimbursement to an individual in case of a specified loss incurred by the person 4 Elements of a Legal Contract - Correct answer--Agreement- signature or handshake -Consideration- money exchange -Competent Parties-18 yrs. old, sober, sane -Legal Purpose-no contracts for money laundering Insured - Correct answer-individual who pays premiums in exchange for protection -can be a person, person's or an organization - "You," "Your," or "Your's" (if the insured is a group it is important to list the "first named insured,"- because that is the only one that can authorize changes to the policy) Insurer - Correct answer--company or group offering insurance -can be a government organization -terms- "We," "Us," and "Our 6 Characteristics of a Contract: Personal - Correct answer--protects the person (insured) from loss -does not protect property from becoming damaged -coverage follows the person not the property 6 Characteristics of a Contract: Adhesion - Correct answer--one party dictates terms -the insured has no power to write the contract -courses will favor the insured in a case of ambiguity [Show More]

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