West Virginia Adjusters Practice Exam 2025 - Free Adjuster License Practice Questions and Study Guide

Adjusters typically handle property, casualty, and liability claims because these areas are central to most insurance products they deal with. Property claims involve damages or losses to physical structures or personal belongings, which adjusters assess to determine coverage and settlements. Casualty claims cover injury and liability resulting from accidents or incidents, where the adjuster evaluates the circumstances, damages, and the extent of liability involved.

This choice is the most comprehensive representation of an adjuster's duties, as they play a critical role in evaluating and processing these types of claims to ensure fair compensation based on the policy terms and the specific circumstances surrounding each claim.

In contrast, health and life insurance claims are typically managed by specialized adjusters or claims representatives focusing on medical and life policy nuances. Commercial insurance claims, while significant, are a subset of the broader categories of property, casualty, and liability claims. Claims related to legal disputes generally involve attorneys and may not require the specific knowledge and discretion that adjusters provide in assessing insurable loss and establishing settlements.