CT Claims Adjuster study guide
CT Claims Adjuster · Work through your exam, one topic at a time.
The Connecticut Claims Adjuster license is the credential the Connecticut Insurance Department requires before you can investigate, evaluate, negotiate, and settle claims on behalf of an insurer, or work as a public adjuster for policyholders, in the state. Candidates typically enter from carrier claims departments, independent adjusting firms, agencies, or legal and medical background roles, and many take it as a first step toward a longer adjusting career. The CT Claims Adjuster study guide has 8 sections and about 2,604 words.
01Insurance Principles and Concepts
Indemnity means the insured is restored to its pre-loss financial position - no better (paying for that is betterment ) and no worse than the policy promises. Insurable interest must exist at the time of loss for property.
283 words, about 1 min02Connecticut Insurance Law and Adjuster Regulation
Connecticut regulates adjusters through the Insurance Department , which licenses adjusters by class - staff/company and independent adjusters on the insurer side, and public adjusters , who contract with the insured for a fee. A staff or independent adjuster may never accept compensation from a claimant and may never represent both sides of the same loss.
331 words, about 2 min03Claims Handling Practices, Investigation, and Ethics
Every claim follows the same spine: first notice of loss → coverage analysis → investigation → damages evaluation → negotiation and settlement → payment and file closure . Answer three coverage questions before quantifying anything: was a policy in force on the date of loss; is the cause of loss covered; and does an exclusion, condition, or limit change the answer?
297 words, about 1 min04Personal Automobile Coverages
A personal auto policy runs Part A (liability), Part B (medical payments), Part C (uninsured/underinsured motorists), Part D (collision and other-than-collision), and Part E/F (duties and general provisions). Connecticut requires 25/50/25 liability limits and UM/UIM at the bodily injury liability limits .
334 words, about 2 min05Homeowners and Residential Property Coverages
Learn the HO forms by distinguishing what they cover: HO-2 (named perils), HO-3 (open perils on the dwelling, named perils on personal property), HO-5 (open perils throughout), HO-4 (renters), HO-6 (condo), HO-8 (older homes, functional replacement cost). Coverages run A (dwelling), B (other structures), C (personal property), D (loss of use/fair rental value), E (personal liability), F (medical payments to others) .
324 words, about 2 min06Commercial Lines Coverages
A standard commercial general liability policy has Coverage A (bodily injury and property damage) , Coverage B (personal and advertising injury) , and Coverage C (medical payments) . Limits are structured as each occurrence / general aggregate / products-completed operations aggregate / damage to premises rented .
352 words, about 2 min07Liability Insurance and Negligence Law
Negligence requires duty, breach, actual cause, proximate cause, and damages . Duty is defined by the relationship: landowners owe the highest care to invitees , warning of known dangers to licensees , and only avoidance of willful harm to trespassers (with special rules for child trespassers).
334 words, about 2 min08Workers' Compensation Insurance
Workers' compensation is a no-fault, exclusive-remedy system: the employee gives up the right to sue the employer in tort, and the employer accepts liability without a negligence finding. The compensability test is “arising out of and in the course of” employment.
349 words, about 2 min