CALA Liability Claims Investigation 2

Question 1

When investigating a slip-and-fall claim, which document is most critical to obtain from the business owner?

Accepted Answer

Prior incident reports for the same location

Answer

Prior incident reports reveal whether the hazard was a known, recurring condition, which directly impacts notice and negligence analysis.

Question 2

A claimant alleges injuries from a dog bite. Which defense doctrine could bar recovery if the claimant provoked the animal?

Accepted Answer

Provocation doctrine

Answer

Many states apply the provocation doctrine as a complete defense in dog bite cases when the victim's actions caused the animal to react.

Question 3

During a liability investigation, an adjuster discovers the insured made post-accident repairs to the hazardous condition. How should this be handled?

Accepted Answer

Preserve evidence of the repair but note it may be inadmissible under subsequent remedial measures rule

Answer

Federal Rule of Evidence 407 generally bars subsequent remedial measures as proof of negligence, but the adjuster must still document and preserve the evidence.

Question 4

What is the primary purpose of obtaining a recorded statement from an adverse claimant early in the investigation?

Accepted Answer

To lock in the claimant's version of events before memories fade or stories change

Answer

Early recorded statements capture the claimant's account while details are fresh and can be used to identify inconsistencies if the story later changes.

Question 5

An adjuster is investigating an auto liability claim where the at-fault driver was operating a vehicle owned by their employer. Which doctrine extends liability to the employer?

Accepted Answer

Respondeat superior

Answer

Respondeat superior holds employers vicariously liable for torts committed by employees acting within the scope of their employment.

(CALA) Certified All-Lines Adjuster Practice Test

(CALA) Certified All-Lines Adjuster Practice Test

CALA Liability Claims Investigation 2