Florida Insurance Claims Adjuster License Practice Exam

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An adjuster deals with a third party claim when the claimant is?

  1. A policyholder

  2. Not a policyholder

  3. A beneficiary

  4. An insurer

The correct answer is: Not a policyholder

An adjuster deals with a third party claim when the claimant is not a policyholder. This means that the person making the claim is not the one who holds the insurance policy. Option A, an insurance policyholder, would be incorrect because a policyholder is the one who holds the insurance policy. Option C, a beneficiary, would also be incorrect as a beneficiary is someone who receives benefits from a policy, but is not necessarily the one making a claim. Option D, an insurer, would also be incorrect as an insurer is the company providing the insurance, not the one making a claim. Thus, the correct answer is B, when the claimant is not a policyholder.

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