Los Angeles Claims Adjuster Property and Causality Practice Exam

What happens to the claim file after a certain amount of time without contact from the claimant?

1. The claim is automatically reopened

2. The claim is considered closed

3. The claim is transferred to a supervisor

4. The insurer is required to make further payments

The correct answer is: The claim is considered closed

After a certain amount of time without contact from the claimant, the claim is considered closed. This is an established practice within the claims handling process, primarily to manage workload and ensure that claims are addressed in a timely manner. When there is a lack of engagement from the claimant, the insurer may determine that the claim is inactive and choose to close it, marking it as “closed” in their system. It's important to note that this closure does not mean that the claimant loses all rights to the claim. Depending on the circumstances and the policy provisions, a claimant may still have the opportunity to reopen the claim, often by providing new information or explaining the circumstances of their absence. However, without any proactive steps from the claimant within the specified time frame, the claim is regarded as closed, reflecting the insurer's need to maintain an organized claims process while keeping track of all active and inactive claims.