Rhode Island Insurance Adjuster Exam 2025 - Free Practice Questions and Study Guide

Question: 1 / 400

In insurance claims, what does negligence refer to?

Failure to file a claim on time.

Failure to take due care leading to injury or loss.

Negligence in the context of insurance claims refers to a situation where an individual or entity fails to exercise the necessary care that a reasonably prudent person would under similar circumstances, resulting in injury or loss to another party. It is fundamentally about the breach of a duty of care that leads to harm.

When examining this concept, consider that negligence can create liability in a variety of scenarios, such as when a property owner doesn’t maintain safe conditions, leading to an injury on their premises. In insurance claims, establishing negligence is crucial because it can determine whether a claim is valid and the extent to which an insurer may need to compensate for the damages incurred due to that negligence.

This understanding is vital because it sets the groundwork for many insurance claims, notably liability claims, where proving negligence is often a key element in the adjudication process.

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Failure to notify the insurer about changes in coverage.

Failure to pay premiums on an insurance policy.

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