West Virginia Adjusters Practice Exam

Which of the following is not a common type of insurance adjuster?

1. Independent

2. Public

3. General

4. Staff

The correct answer is: General

The designation of a general adjuster is not a commonly recognized category within the insurance adjusting profession. In the field, independent adjusters work on behalf of clients, often insurance companies that require expertise without hiring full-time staff. Public adjusters, on the other hand, represent policyholders, ensuring that the claims process is conducted fairly on behalf of the insured. Staff adjusters are employees of insurance companies who handle claims for their employer's policyholders. Each of these roles serves a distinct purpose in the claims process, focusing on either the insurer or the insured. The designation 'general adjuster' may refer to a broad understanding of insurance adjusting but lacks the specific formal recognition and practice that the other types embody. Thus, the correct identification of this option underscores the nuances within the field of insurance adjusting.