CALA Claims Investigation Process 3

Question 1

In a multi-vehicle accident, how does the adjuster determine which state's laws govern the claim when vehicles are from different states?

Accepted Answer

The state where the accident occurred typically governs liability

Answer

Liability for an accident is generally governed by the law of the state where the loss occurred (lex loci delicti).

Question 2

What does 'subrogation' mean in the context of automotive claims investigation?

Accepted Answer

The insurer's right to recover paid claim amounts from the at-fault third party

Answer

Subrogation allows the insurer to step into the insured's shoes and pursue recovery from the responsible party after paying a claim.

Question 3

When photographing a damaged vehicle during investigation, which sequence best supports the investigation?

Accepted Answer

Overview shots of the scene, then mid-range vehicle photos, then close-up damage details

Answer

A systematic photo sequence from overview to detail creates a complete visual record that supports liability analysis and damage assessment.

Question 4

An adjuster is investigating a hit-and-run claim where no witnesses are present. Which coverage would typically apply for the insured's vehicle damage?

Accepted Answer

Uninsured motorist property damage (UMPD) or collision coverage

Answer

Hit-and-run damage to the insured's vehicle is typically covered under UMPD (where available) or collision coverage, subject to applicable deductibles.

Question 5

What is the significance of 'comparative negligence' in a claims investigation?

Accepted Answer

It allocates fault percentages among parties, potentially reducing recoverable damages proportionally

Answer

Comparative negligence systems apportion fault among parties, reducing the plaintiff's recovery by their percentage of fault.

(CALA) Certified Automotive Loss Adjuster Practice Test

(CALA) Certified Automotive Loss Adjuster Practice Test

CALA Claims Investigation Process 3