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CA ADJUSTERS LICENSE PSI EXAM ACTUAL EXAM COMPLETE 200 QUESTIONS WITH DETAILED VERIFIED ANSWERS (100% CORRECT ANSWERS) AND EXPLANATION ALREADY GRADED A+

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QUANKADA
CA ADJUSTERS LICENSE PSI EXAM ACTUAL EXAM
COMPLETE 200 QUESTIONS WITH DETAILED VERIFIED
ANSWERS (100% CORRECT ANSWERS) AND
EXPLANATION ALREADY GRADED A+




Which of the following would not be covered
under the specified cause of loss physical damage
coverage under the commercial auto form?

Glass breakage
Fire
Lightning
Flood - ....ANSWER >>>>The correct ANSWER is:
Glass breakage.
EXPLANATION:
The specified cause of loss form covers the
following perils: fire, lighting, explosion, theft,
windstorm, hail, earthquake, flood, vandalism or
mischief, transportation by a conveyance. The

,coverage does not include glass breakage, hitting
a bird or animal nor falling objects or missiles.

All of the following events are considered acts of
terrorism, EXCEPT:

Acts of riot and civil commotion.
Acts considered dangerous to human life,
property or infrastructure.
Acts resulting in damage within or outside the
United States.
Acts at the premises of any United States mission.
- ....ANSWER >>>>The correct ANSWER is: Acts of
riot and civil commotion. .
EXPLANATION:
Acts of riot and civil commotion are not covered
by the Act. These are perils that are covered by
property insurance policies.

A company or staff adjuster represents the
interests of:

The insurer.

,The insured.
The claimant.
The public. - ....ANSWER >>>>The insurer. is
correct.
EXPLANATION:
Company or staff adjusters are individuals
employed by a property and casualty insurance
company to settle on its behalf claims brought by
insureds. They work directly for the insurance
company as year-round salaried employees. Staff
adjusters evaluate the merits of each claim and
make recommendations to the insurance
company.

Under the Personal Auto Policy the
Supplementary Payments coverage is:
ANSWER Choices: Select the Correct ANSWER
In addition to the limit of liability.
Added by endorsement.
Included in the limit of liability.
Not available under the personal auto policy. -
....ANSWER >>>>In addition to the limit of
liability. is correct.

, EXPLANATION:
Supplementary Payments are in addition to the
Limits of Liability.

When a first party claim is made, what must be
listed on the payment draft?
ANSWER Choices: Select the Correct ANSWER
Type of coverage under which payment is made
Details of the accident
Application of the deductible
Drivers license number - ....ANSWER >>>>Type of
coverage under which payment is made is
correct.
EXPLANATION:
When a claim payment is made, an indication of
the type of coverage under which the payment is
made must be stated on the draft payment.

Under the Commercial Property Policy, the Pro-
rata Liability Clause means:
ANSWER Choices: Select the Correct ANSWER
Each insurer pays its limits under the policy.
Neither Insurer Pays

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