Claims Management in Insurance Is Characterized by All but One

Multiple Choice

Claims management in insurance is characterized by all but one of the following:

A) Overly liberal claims-settlement procedures may be as bad as stingy claims-settlement procedures,
B) Claims-settlement problems are generally more complex in life insurance than in property and liability insurance,
C) An independent adjuster generally serves the small insurer,
D) Often negotiations with the claims department is the only contact that the insurance buyer has with the insurer.