Los Angeles Claims Adjuster Property and Causality Practice Exam

What type of claim provision includes rehabilitative treatment for the claimant?

1. Non-waiver Agreement

2. Subrogation Procedures

3. Rehabilitation

4. Draft Authority

The correct answer is: Rehabilitation

The correct choice focuses on rehabilitation as a provision that encompasses treatments aimed at helping claimants recover from injuries, whether they are physical, mental, or vocational in nature. This form of provision is essential in personal injury claims or in scenarios involving workers' compensation, where the goal is to restore the individual to their previous state of health or work capability. Rehabilitation provisions typically outline the coverage for necessary medical treatments, therapies, and services designed to aid in recovery. This may include physical therapy, occupational therapy, counseling, or other specialized care that facilitates the claimant's journey back to health. In contrast, the other options deal with different aspects of claims handling. Non-waiver agreements relate to ensuring that neither party forfeits their rights while still in negotiations. Subrogation procedures involve the insurance company seeking reimbursement from a third party that is responsible for the loss after paying out the claim. Draft authority relates to the permissions granted to adjusters regarding the finalization and resolution of claims. Each of these provisions serves a distinct purpose and does not specifically encompass the rehabilitative aspect central to aiding a claimant's recovery.