Arkansas Insurance Adjuster Practice Exam

In appraisal, who chooses the umpire?

1. The insurance company

2. The two appraisers

3. The claimant

4. The adjuster

The correct answer is: The two appraisers

In appraisal, the two appraisers are responsible for choosing an umpire if they are unable to reach an agreement. This is to ensure that both parties have an equal say in the decision-making process. Option A is incorrect because the insurance company is not directly involved in the appraisal process; their role is to review the outcome and make the final decision on liability. Option C, the claimant, is also not responsible for choosing the umpire, as they are one of the parties involved in the dispute. Option D, the adjuster, is responsible for evaluating claims and determining the amount of loss, but they do not have a role in selecting the umpire.