CAIA Study Guide 2026
Everything you need to pass the CAIA exam in one place: the exam format, every topic to study, real practice questions with explanations, flashcards, and full-length practice tests. Free, no sign-up needed.
📋 CAIA Exam Format at a Glance
📚 CAIA Topics to Study (69)
✍️ Sample CAIA Questions & Answers
1. Which coverage applies when the insured is struck by a driver who has liability insurance, but those limits are less than the insured's damages?
Underinsured motorist (UIM) coverage applies when the at-fault driver carries liability insurance but those limits are insufficient to fully compensate the injured insured for their losses.
2. A vehicle deemed a total loss is sold to a salvage yard for $2,500. The insurer paid the insured $18,000 ACV. What is the insurer's net loss?
The insurer's net loss is the claim paid minus salvage proceeds: $18,000 − $2,500 = $15,500.
3. An adjuster notes corrosion along the lower rocker panel that existed before the covered loss. How should this be handled in the estimate?
Pre-existing corrosion is not covered by the current loss; the adjuster must exclude or apply betterment to the portion of repair attributable to prior deterioration.
4. An adjuster is handling a claim in a comparative negligence state where the insured is found 40% at fault. How is the insured's recovery affected?
Under comparative negligence, each party's recovery is reduced in proportion to their percentage of fault.
5. An adjuster notices the claimant's medical bills were submitted from a clinic that opened one week after the reported accident. This is most indicative of:
A medical facility opening immediately before or after an accident and submitting related bills is a strong indicator of fraudulent billing schemes.
6. An adjuster is assessing a convertible with damage to the soft top mechanism. Which consideration is most important when estimating repairs?
Convertible soft top mechanisms can include motors, hydraulics, linkages, and sensors — all of which must be assessed to produce an accurate repair estimate.
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📖 CAIA Guides & Articles
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An AI chatbot can quiz you, but it can't reproduce the exam conditions or keep your record. Here you get:
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