AIC Assessment & Evaluation 3

Question 1

In bodily injury evaluation, which item is a special damage?

Accepted Answer

Documented lost wages

Answer

Special damages are quantifiable economic losses such as medical bills and lost wages.

Question 2

General damages in a bodily injury claim compensate for:

Accepted Answer

Non-economic harm such as pain and suffering

Answer

General damages cover non-economic losses that cannot be precisely measured in dollars.

Question 3

An adjuster multiplies a claimant's medical specials by a factor based on injury severity to estimate general damages. This is the:

Accepted Answer

Multiplier (formula) method

Answer

The multiplier method applies a severity-based factor to special damages to estimate general damages.

Question 4

The per diem method of evaluating pain and suffering assigns:

Accepted Answer

A daily dollar amount for each day the claimant suffers

Answer

Per diem assigns a dollar value per day of pain and multiplies it by the duration of suffering.

Question 5

Under the collateral source rule in many states, a claimant's damages are:

Accepted Answer

Not reduced by payments received from independent sources such as health insurance

Answer

The collateral source rule generally bars reducing a defendant's liability for benefits the claimant received from independent sources.

AIC - Associate in Claims Practice Test