Los Angeles Claims Adjuster Property and Causality Practice Exam

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What can an adjuster legally inform the principal about during a claims investigation?

How to settle a claim
The opinion on claim adjustment
The extent of the damage
The insurance company's interests

The correct answer is: The extent of the damage

The adjuster can legally inform the principal about the extent of the damage because that information is factual and directly related to the assessment of a claim. The purpose of the claims investigation is to determine the reality of the situation, including the nature and degree of any damages that occurred. Providing this information is essential for the principal to understand the current status of their claim and to make informed decisions moving forward. While an adjuster might have opinions and insights regarding settling a claim or about the interests of the insurance company, these insights must be handled carefully to avoid any potential conflicts of interest or misrepresentations. Therefore, discussing the extent of the damage is the most straightforward and legally safe communication that can assist the principal without crossing any boundaries that could lead to misunderstandings or disputes.