The activities that make up the claims handling process

• A. Are always sequential but may overlap.
• B. Are not always sequential, but do not overlap.
• C. Are not always sequential, and may overlap.
• D. Are always sequential and do not overlap.

Answer: (C)

In claims handling, activities aren’t locked into a single, rigid order. As information unfolds, adjusters often perform multiple tasks at once—investigating, communicating with the insured, evaluating coverage, reserving funds, and pursuing subrogation or recovery efforts—so parts of the process occur concurrently. New findings can cause steps to be revisited or revised, leading to overlap rather than a strictly linear path. That’s why the best description is that activities are not always sequential and may overlap. The other options imply a fixed order or no overlap, which doesn’t reflect how real claims are managed.