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. An insured has a $1,000 straight deductible and suffers a $750 loss. What does the insurer pay? → $0
3. The principle requiring adjusters to handle similarly situated claims in a consistent and uniform manner is known as: → Consistent claims handling
4. Why is it important to maintain accurate documentation throughout the claims process? → To support claim decisions and legal compliance
5. Which entity typically regulates insurance practices at the state level? → Department of Insurance
6. Under a Business Owners Policy (BOP), which coverage is typically NOT included in the standard form? → Workers' compensation coverage
7. The 'reasonable person' standard in claims ethics is used to determine: → Whether an adjuster acted as a prudent professional would under similar circumstances
8. 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
9. Which of the following is typically found in the declarations page of an insurance policy? → Coverage limits and insured’s information
10. Which statute of limitations period typically applies to personal injury liability claims in most US states? → 2–3 years
11. What is a 'deductible' in an insurance policy? → The amount the insured must pay out of pocket before the insurer pays
12. Which type of adjuster is an independent contractor hired by insurers on a per-claim basis? → Independent adjuster
13. What does 'ICD' stand for in the context of medical billing used in claims processing? → International Classification of Diseases
14. In a liability claim, what does 'subrogation' allow the insurer to do after paying a claim? → Pursue the responsible third party to recover amounts paid
15. Under most state insurance codes, what is the maximum number of days an insurer has to acknowledge receipt of a claim after it is filed? → 10 days
16. The 'exclusive remedy' doctrine in workers' compensation means: → Workers' compensation is the sole remedy for injured employees against their employer
17. An adjuster who closes a claim without properly investigating because the amount is small is violating the duty of: → Reasonable investigation
18. Which method is commonly used for evaluating property damage? → Repair estimate
19. Which metric is commonly used to evaluate an employer's workers' compensation loss experience for insurance rating purposes? → Experience modification factor (e-mod)
20. Under the NAIC Unfair Claims Settlement Practices Act, 'knowingly misrepresenting pertinent facts' to a claimant is considered: → An unfair claims settlement practice
21. Under pure comparative negligence, how is a claimant's recovery affected if they are 30% at fault? → Their recovery is reduced by 30%
22. Under an occurrence-based liability policy, coverage is triggered when: → The bodily injury or property damage occurs during the policy period
23. When an adjuster uses the 'cost approach' to value commercial property, what three components are combined? → Land value, building replacement cost, and accumulated depreciation
24. What is a primary ethical responsibility of a claims adjuster? → Act honestly and transparently
25. A claims adjuster who inflates repair estimates to earn higher commissions is committing: → Insurance fraud
26. 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
27. An adjuster receives a demand letter with a 30-day deadline to respond or face litigation. What is the MOST appropriate action? → Acknowledge receipt and evaluate the demand promptly within the stated timeframe
28. Which document establishes the terms, conditions, and coverage limits that govern how a claim must be handled? → The insurance policy contract
29. 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
30. What is 'assumption of risk' as a defense in liability claims? → The plaintiff knowingly accepted the danger that led to their injury