Arizona Adjuster Practice Exam

Which action would an adjuster typically NOT take during a claim investigation?

1. Interview witnesses

2. Hire an expert witness

3. Collect evidence

4. Review the policy details

The correct answer is: Hire an expert witness

An adjuster typically would not hire an expert witness during a routine claim investigation because this step is more specialized and usually reserved for complex cases where expert testimony is necessary to clarify technical aspects of the claim or to establish liability. In the majority of standard investigations, adjusters focus on gathering information through interviews, collecting evidence, and reviewing policy details to assess the validity of the claim. These actions form the foundation for determining coverage and the extent of damages without the need for additional expert input, which can slow down the process and increase costs. By focusing on interviewing witnesses, collecting evidence, and reviewing policy details, adjusters can efficiently evaluate claims based on the information that is readily available and pertinent to the situation at hand. This streamlined approach ensures that claims are handled promptly while still adhering to the necessary due diligence expected in the claims process.