CCA Cheat Sheet 2026

The 30 highest-yield CCA facts, distilled from real exam questions. Print it, save it as a PDF, or study it here — free, no sign-up.

1. In the context of bodily injury claims, 'pain and suffering' damages represent: → Non-economic damages for physical pain, emotional distress, and reduced quality of life
2. Why is it important to maintain accurate documentation throughout the claims process? → To support claim decisions and legal compliance
3. Which entity typically regulates insurance practices at the state level? → Department of Insurance
4. Which pattern is MOST consistent with a 'swoop and squat' auto fraud scheme? → A car cuts in front of another vehicle and brakes suddenly to cause a rear-end collision
5. Which of the following is typically found in the declarations page of an insurance policy? → Coverage limits and insured’s information
6. Which statute of limitations period typically applies to personal injury liability claims in most US states? → 2–3 years
7. What is a 'deductible' in an insurance policy? → The amount the insured must pay out of pocket before the insurer pays
8. What does 'ICD' stand for in the context of medical billing used in claims processing? → International Classification of Diseases
9. The 'exclusive remedy' doctrine in workers' compensation means: → Workers' compensation is the sole remedy for injured employees against their employer
10. Which method is commonly used for evaluating property damage? → Repair estimate
11. Which metric is commonly used to evaluate an employer's workers' compensation loss experience for insurance rating purposes? → Experience modification factor (e-mod)
12. Under pure comparative negligence, how is a claimant's recovery affected if they are 30% at fault? → Their recovery is reduced by 30%
13. What is a primary ethical responsibility of a claims adjuster? → Act honestly and transparently
14. An adjuster receives a policy limits demand with a short deadline. What is the primary risk to the insurer if they fail to respond in time? → The insurer could face a bad faith claim if a subsequent verdict exceeds policy limits
15. Under most auto policies, 'medical payments coverage' (MedPay) differs from PIP in that MedPay: → Pays regardless of fault but only for medical expenses, with no lost wage coverage
16. What is 'assumption of risk' as a defense in liability claims? → The plaintiff knowingly accepted the danger that led to their injury
17. In an auto claim, 'diminished value' refers to: → The reduction in a vehicle's market value after being repaired following an accident
18. What is the first step in the claims handling process? → Acknowledge and set up the claim
19. Which party bears the burden of proof in most civil liability claims in the US? → The plaintiff, by a preponderance of the evidence
20. A claimant is filmed performing heavy physical activities at home while claiming total disability. This evidence is most useful for: → Investigating potential workers' compensation fraud
21. Which tool do adjusters use to verify the legitimacy and ownership history of a vehicle in an auto claim? → Vehicle History Report (VHR) / CARFAX
22. Which factor most affects the final settlement amount? → Policy limits
23. An adjuster sends an acknowledgment letter within 10 days of receiving a claim. What purpose does this serve? → It demonstrates compliance with prompt payment statutes and sets claimant expectations
24. An insured reports their car stolen but surveillance shows them parking it at a remote location days before the 'theft.' This evidence primarily suggests: → A staged theft / hard fraud
25. Coinsurance in property insurance penalizes the insured when: → The insured carries less insurance than the required percentage of the property's value
26. What is subrogation in the context of insurance claims? → The insurer's right to pursue a third party that caused an insurance loss
27. Which law prohibits unfair or deceptive acts in the insurance industry? → Unfair Claims Settlement Practices Act
28. When making a settlement offer to a claimant, an adjuster should base the amount on: → A thorough investigation, documented damages, and applicable policy coverage
29. A subrogation waiver in a contract means the insurer: → Gives up its right to recover from the third party
30. What is the primary purpose of a reservation of rights letter? → To notify the insured that coverage may be limited while the insurer investigates