Arizona Adjuster Practice Exam

A liability adjuster, unlike a property adjuster, must often deal with:

1. Insured individuals

2. Claimant attorneys

3. Third-party claimants

4. Building contractors

The correct answer is: Third-party claimants

A liability adjuster primarily manages claims that arise when an insured party is deemed responsible for causing harm or damages to another party. This often involves interacting with third-party claimants, who are individuals or entities making claims against the insured. The nature of liability claims typically requires the adjuster to investigate the circumstances of the incident, assess the validity of the claims, and determine the appropriate compensation. In contrast, property adjusters usually focus on assessing damages to the insured's own property and typically interact directly with the insured individuals or property owners. While claimant attorneys may be involved in liability cases, the essence of a liability adjuster's role heavily revolves around the relationships with those third-party claimants. This significant focus on third-party claimants distinguishes liability adjusters from other types, making it essential for them to effectively evaluate claims from those external parties and navigate potential legal issues.