Iran Loss Adjuster Exam study guide
Iran Loss Adjuster Exam · Work through your exam, one topic at a time.
The Iran Loss Adjuster Exam (آزمون کارشناس رسمی ارزیاب خسارت بیمه) is a Persian-language, multiple-choice certification assessment for professionals who determine the extent and value of insured losses: damage assessors, claims handlers, insurance company technical staff, and independent adjusters working with Iranian insurers. It tests whether a candidate can read a policy, establish coverage, investigate a loss, quantify damage, and produce a defensible settlement report under Iranian insurance law and regulation. The Iran Loss Adjuster Exam study guide has 10 sections and about 3,385 words.
01Principles of Insurance and Risk Management
This domain tests whether you can reason from first principles: why a policy responds at all, how much it should pay, and how the insured's own risk-management choices change the outcome. Expect short numerical items on indemnity, average and deductibles, plus conceptual items on insurable interest, good faith and proximate cause.
394 words, about 2 min02Iranian Insurance Law and Regulatory Framework
This domain tests your grasp of the statutory and regulatory scaffolding around a claim: which body licenses the insurer, approves wordings and tariffs, licenses the loss adjuster, and what a court will treat as mandatory rather than contractual. The Insurance Act 1316 (1937) is the general contract statute: formation, premium, the insured's disclosure duties, indemnity and the insurer's payment obligation.
361 words, about 2 min03Insurance Contract Law and Policy Interpretation
Here the exam tests how you read a policy as a legal instrument: which clause is a condition precedent, which is a mere representation, how exclusions are construed, and what happens when a claim is notified late. Formation follows offer (proposal), acceptance (policy issue) and premium; the schedule, wording, endorsements and any CII-approved tariff together form the contract, with endorsements prevailing over the printed wording.
325 words, about 2 min04Loss Adjustment Principles and Professional Ethics
This domain tests the adjuster's role, mandate and independence. Questions here are often short scenario items: an adjuster is offered a favour, asked to endorse a coverage opinion, or pressured to inflate quantum.
330 words, about 2 min05Property and Fire Insurance Claims
This domain covers the fire and property portfolio: whether a fire is a "fire" in the policy sense, which extensions respond, how stock and buildings are valued, and how average, salvage and business interruption interact in the final figure. A standard fire policy responds to fire, lightning and explosion , with extensions for riot and strike, storm and flood, impact, burglary and sprinkler leakage on separate terms.
346 words, about 2 min06Motor Insurance Claims (Third-Party Liability and Own Damage)
Motor work is the volume business of Iranian adjustment. The exam separates two distinct covers that are often confused: compulsory third-party liability (bimeh-e ejbari) and own-damage (bimeh-e bedaneh).
307 words, about 2 min07Life and Health Insurance Claims
Life and health claims test document verification, disclosure analysis and the boundary between medical and non-medical (accident) benefits. The amounts are usually fixed by the sum insured or the tariff, so the exam focuses on eligibility and proof.
319 words, about 2 min08Engineering, Liability, and Miscellaneous Insurance Claims
This domain tests the more technical lines where policy triggers and exclusions do real work: construction and erection all risks, machinery breakdown, and liability covers such as public, product and professional indemnity. CAR/EAR covers damage to the works and third-party liability during construction or erection; extensions cover maintenance periods, testing and commissioning.
312 words, about 2 min09Claim Investigation, Damage Assessment, and Fraud Detection
This domain tests method: how you gather evidence, establish cause, verify quantum and recognise indicators of fraud without overstepping into accusation. Inspect promptly, before repair or disposal, and secure the scene: photographs, sketches, samples, CCTV, witness details.
323 words, about 2 min10Claim Documentation, Reporting, and Settlement Procedures
This domain tests the administrative discipline of a claim file: what must be on it, how reserves are set, how a settlement is documented, and how disputes and recoveries are handled. Claim form, policy and endorsements, premium receipts, identity and ownership documents, damage reports, repair estimates, police or forensic reports, photographs and correspondence.
368 words, about 2 min