Florida Insurance Claims Adjuster License Practice Exam

The adjuster's duty to the insurer is best described as?

1. Friendly

2. Factual

3. Fun

4. Fiduciary

The correct answer is: Fiduciary

The adjuster's duty to the insurer is best described as fiduciary, meaning that the adjuster has a legal and ethical obligation to act in the best interest of the insurer. This includes being truthful and providing accurate information, as well as managing the insurer's assets responsibly. Options A, B, and C are incorrect because they do not accurately describe the adjuster's relationship with the insurer. While the adjuster may establish a friendly rapport with the insurer, their primary duty is not to be friendly. It is also not solely factual or fun. Therefore, option D, fiduciary, is the best description of the adjuster's duty to the insurer.