MN Claims Adjuster case studies
MN Claims Adjuster · Put your knowledge to work in context.
The Minnesota Claims Adjuster license is a state credential that lets you investigate, evaluate, and settle insurance claims on behalf of insurers or insureds in Minnesota. Candidates typically pursue it to work as staff adjusters for carriers, independent adjusters serving multiple insurers, or public adjusters representing policyholders. The MN Claims Adjuster case studies are 5 cases and about 3,207 words.
1Reinstatement, Proof of Loss, and the Ticking Clock
On March 1, a Minnesota homeowners policy with a 250,000 dwelling limit, 100,000 contents limit, and 1,000 deductible lapsed for nonpayment. On March 5 the insured's agent received a 1,450 check for the overdue premium, deposited it on March 7, and told the insured by phone, 'You're covered again.' The insurer's system still showed a lapse, and no reinstatement notice was sent.
699 words, about 3 min2PIP Limits, Wage Loss, and the Tort Threshold
On a rainy October night, a Minnesota insured was driving home from work when another driver ran a red light and struck the driver's side. The insured's policy has 20,000 in medical expense benefits and 20,000 in wage-loss benefits, with no coordination-of-benefits election.
616 words, about 3 min3Coinsurance, Depreciation, and the Siding Match
A Minnesota dwelling policy covers a 1928 duplex with a 300,000 building limit, 2,500 deductible, and replacement cost coverage. The policy contains an 80% coinsurance clause but no ordinance-or-law coverage.
625 words, about 3 min4Additional Insured, Completed Operations, and the Duty to Defend
A Minnesota general contractor (GC) hired a subcontractor (Sub) to install a flat roof on a commercial building. Sub's CGL policy has a 1 million each-occurrence limit and a blanket additional-insured endorsement that applies only to liability arising out of 'ongoing operations.' Sub finished the roof in June and was paid.
631 words, about 3 min5The Company Softball Game and the Misclassified Driver
A Minnesota tree-service company pays a worker as a 1099 independent contractor. The worker uses the company's truck, receives daily assignments from the owner, must wear a company shirt, and is paid a fixed day rate; the company can terminate him at will.
636 words, about 3 min