Rhode Island Insurance Adjuster Exam

Which of the following is NOT considered an improper claims practice?

1. Delaying a payment decision

2. Providing insufficient information

3. Waiting longer on a final liability decision while making one last attempt to secure another witness statement

4. Failing to investigate claims thoroughly

The correct answer is: Waiting longer on a final liability decision while making one last attempt to secure another witness statement

Choosing to wait longer on a final liability decision while attempting to secure another witness statement is not categorized as an improper claims practice. This approach demonstrates diligence and accountability on the part of the claims adjuster, as they are actively seeking additional evidence that could clarify the circumstances surrounding the claim. Ensuring that all relevant information is collected before making a liability decision aligns with best practices in claims handling, as it promotes a fair evaluation of the claim. In contrast, delaying a payment decision or providing insufficient information can harm the claimant by prolonging the resolution process unnecessarily, and therefore could be seen as improper. Similarly, failing to thoroughly investigate claims can lead to uninformed decisions, which compromise the integrity of the claims process. Each of these actions can reflect poorly on the insurer and impact the claimant negatively, while the choice of securing further witness statements indicates a commitment to comprehensive and fair claims management.